Long-Term Disability (LTD) plans are not just for people who are older, or have a history of illness in their family. Other types of insurance won't cover you if medical disaster strikes, and people on LTD are generally those who have serious illnesses or are catastrophically injured and no longer have the functional capacity to work in a meaningful way.
Maybe that's not you at all....right now. But what happens if you are in a horrific car accident. Or you get cancer? None of us want to think about these things but consider this- if the unthinkable happens, do you want to be also plagued with trying to figure out how you are going to pay your mortgage and eat?
We don't sell these insurance policies and quite candidly, we know that on a large scale, ERISA plans difficult to administrate for a number of reasons. But if you need to appeal a denied claim and you have a serious injury or illness, we can help you.
You're going to need our help.
If you claim has been denied, we will review your appeal letter for free and let you know what we think your next steps might be. If you just want to have your policy reviewed for telltale signs of typical insurance loopholes, we can help with that, too.
So, even if you are young, fit, healthy, and have no history of serious illness in your family, it will be worth it for you to your policy reviewed in advance to determine where the insurance company might try to stick it to you in the event you really are hurt or seriously ill.
If you want to error on the side of safety, we will review your Long-Term Disability plan for you at a deeply discounted rate - so you can have peace of mind knowing whether or not your plan has those telltale signs -- the signs that indicate the claims will probably be denied due to the ERISA "discretion" given to insurance companies to deny claims based on "reasonableness."
That's an entirely different conversation but what you really need to know is, you will need an attorney if you have to appeal a claim because you only get one shot.
Give us a call at 202-393-3320. We have a flat fee to review your policy, a fee that will be credited toward assisting with your initial filing should you ever need to do so. And at the very least, you can have peace of mind knowing that you have the right next steps to take if you are ever caught in a catastrophic situation - that you won't be fighting tooth and nail to prove your disability to a group of people who are inclined to deny your claim and have the authority to do so.