When you become disabled for any reason, you expect to be able to take advantage of the resources that are available to you, including your long-term disability plan through your employer. All too often, however, insurance companies who administer ERISA-governed plans make the claims process as difficult as possible for you, delay making a decision on your claim, only to ultimately deny your claim for benefits altogether. At this point, you may be confused, upset, and unsure what to do next.

Fortunately, a California long-term disability attorney may be able to assist you throughout the claims process. A strong legal advocate can help ensure that insurance companies do not play games with you and comply with all of their responsibilities in terms of processing your claim in a fair and timely manner.

Furthermore, it is extremely important to build a solid administrative record in your case during the administrative appeals process. If it is necessary to file a suit in federal court in order to appeal the denial of your long-term disability benefits, the judge will only have access to the information that already is in your record from the administrative proceedings with your insurance company. As a result, getting legal assistance prior to submitting an appeal to ensure that you have provided all of the necessary medical documentation and other information to the insurance company for inclusion in the record may be essential to your ability to win your appeal. Without the necessary information on record, you may be less likely to obtain the disability benefits that you need.

As you go through the often complex process of filing a claim for long-term disability benefits, we are here to fight for your rights to benefits under your plan. Bonnici Law Group has handled the claims of countless individuals who have encountered difficulties in procuring long-term disability benefits under their employers’ ERISA-governed insurance policies. We will protect your rights and advocate on your behalf throughout every stage of the claims process. Call our office at 858-261-5454 to set up an appointment to speak with us today.