Facing a denial of long-term disability benefits can be a daunting experience. It’s not just the financial strain that adds to the stress, but also the complexity of navigating the appeals process. Many individuals are tempted to write their own appeals, or may have already done so, but there are important considerations to keep in mind before taking this step.

Here at Bonnici Law Group, we often encounter clients who have attempted to draft their own appeals, only to encounter roadblocks along the way. While it’s understandable to want to convey the emotional toll and personal struggles caused by disability, there’s a fine line between expressing your sentiments and addressing the specific legalities required by the Employee Retirement Income Security Act (ERISA).

One common pitfall we see is appeals that are overly emotional, lacking the necessary legal framework to support the case. Appeals that focus solely on statements like “I can’t work” or “I disagree” may fail to address the key points outlined in the insurance policy and ERISA guidelines. While these sentiments are undoubtedly valid, they need to be supplemented with concrete evidence and legal arguments to effectively challenge the denial.

When drafting an appeal, it’s crucial to carefully review the terms of your insurance policy. Each policy has its own set of criteria for defining disability, and your appeal must demonstrate how you meet these specific requirements. This often requires a thorough understanding of legal terminology and the ability to interpret complex policy language—a task best suited for experienced legal professionals.

At Bonnici Law Group, our team is well-versed in the intricacies of long-term disability law. We can help you craft a comprehensive appeal that addresses the specific reasons for your denial and presents a compelling argument for reinstatement of benefits. By leveraging our expertise, you can increase your chances of success and alleviate some of the burden associated with the appeals process.

If you find yourself in need of assistance with your appeal, don’t hesitate to reach out to us. Whether you’re in the midst of drafting your own appeal or considering your options, we’re here to provide guidance and support every step of the way. Schedule a complimentary consultation with Josh Bonnici today to discuss your case and explore how we can help you secure the benefits you deserve. Your path to securing long-term disability benefits starts here. Call us at (619) 259-5199 or click here for a free consultation.