If you have been diagnosed with a serious medical condition or injury that prevents you from working, a seasoned attorney from our firm can help you take advantage of your long-term disability (LTD) coverage. These benefits are meant to help you and your family with your bills and expenses while you are unable to work.
When choosing a long-term disability lawyer in Charlotte, it is important to consider their experience and track record of success. Our team at The Sasser Law Firm has been helping clients receive the benefits they need for over 30 years, and we have litigated cases all the way up to the United States Supreme Court. Contact us today to schedule a consultation with a dedicated LTD lawyer.
Long-term disability provides those unable to work due to a disability with a portion of their regular income. Medical documentation is needed to file a claim.
Even with clear medical documentation, it is always possible that your claim will be denied. This can happen for countless reasons, from missing or limited documentation, a condition not being covered by the policy, or an insurer not giving appropriate weight to your medical documentation. Regardless of the explanation, denials leave employees and their families with significant financial struggles.
The Employee Retirement Income Security Act (ERISA) and most LTD policies allow and require claimants to appeal their case if their claim is denied. The appeal process is complex and involves strict deadlines. The appeal process is incredibly important to setting the case up for success if litigation becomes necessary down the line. In ERISA cases, a court will often only look at the information that was submitted during the appeal phase, so it is important to work with an experienced attorney who knows what needs to be submitted with an appeal.
Some employers are exempt from using ERISA. These claims are treated differently and subject to state law, which can provide for different types of recovery. Similarly, employees of state or local municipal government agencies have their own plans. Different types of LTD policies require different procedures, so it is important to consult with seasoned counsel to protect your ability to dispute any denial.
With so many different LTD policies and administrative rules for Charlotte employees, picking the right attorney is a vital step to receiving benefits. Having legal representation that understands the nuances involved in each pathway to receiving benefits can ensure that you and your beneficiaries get what you have earned.
Our team has more than 40 years of combined experience handling claims involving various employment insurance policies. We have a deep understanding of ERISA and non-ERISA claims and can help gather the necessary documents to build your case. If your claim is denied, we can review the insurer’s reasoning to identify flaws in its assessment and appeal the decision so the benefits you need are properly awarded.
We are one of the few firms in North Carolina that has taken both short and long-term disability cases to court. We act as advocates for our clients and represent their best interests in front of the judge. Our team understands that there are a lot of choices when it comes to selecting an LTD attorney in Charlotte, and we believe in supporting our clients throughout the entire process, from beginning to end. Also, many policies require individuals to file for Social Security Disability (SSD) as a condition of LTD benefits. We can handle both claims in parallel to ensure that the two cases support each other.
You have worked hard, and you deserve benefits if you get hurt or sick and cannot work. Even if your claim is denied, there are still ways to take care of your family. If you need help choosing a long-term disability lawyer in Charlotte, contact our team at The Sasser Law Firm to learn more about how we can help you.
The Sasser Law Firm
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