Will My Insurance Cover a Bike Accident?
We get a lot of calls from cyclists who get hit on the road, who are wondering if their car insurance covers them for an accident when hit by a car on the road.
We get a lot of calls from cyclists who get hit on the road, who are wondering if their car insurance covers them for an accident when hit by a car on the road.
We often hear from potential clients who have questions about dealing with the at-fault driver's insurance. Talk to an attorney before submitting a recorded statement to the at-fault driver's insurance.
Welcome to Bonnici Law Group! We look forward to speaking with you, working on your case, and helping you through the trying time that has brought you to us.
Long-term disability claims are denied for a host of reasons all the time. Whatever the reason is, denials can be very confusing and often hard to decipher. If you have a denial, it is important to get it reviewed right away because the appeal process can be as short as 180 days.
If you received an insurance denial for your long-term disability insurance, there is no reason to fret right away. You should hire an attorney, gather the necessary evidence from your Administrative Record, the file an appeal in the next 180 days.
If an appeal is denied, making it the second denial, the next step would be to file a lawsuit in court under ERISA. Once you get to that stage, it is imperative to have an attorney to make sure that all of the legal proceedings and procedures leading up to and filing a long-term disability lawsuit are initiated correctly.
One important aspect to always understand when you are applying for long-term disability benefits is you must be employed at the time of your application. This doesn't mean that you have to be actively working in the office, but you still have to be an employee.
It may go without saying, but to be eligible for long-term disability benefits, you have to have the policy in effect at the time of your disability – which usually requires you to be employed at the time of disability, but not necessarily working.
One responsibility that insurance companies have during the application and denial process for benefits is to give you all the necessary information in the administrative record for your case so that you can look at everything they are looking at when making their decision.
One question we get a lot is: how do I apply for long-term disability benefits? An application is usually pretty easy to do, so attorneys aren't generally required or necessary for this step; but questions can come up.