Long Term Disability / ERISA / LTD

With few exceptions, if you have a long term disability (LTD) benefits through your job you are covered by the Employee Retirement Income Security Act of 1974 (ERISA).

ERISA governs important LTD claim procedures which must be followed very carefully.

If you are denied LTD benefits, or if your LTD benefits are terminated, you must act quickly to protect your rights. Normally, LTD benefits plans give you the right to appeal a denial or termination of your benefits. All plans are different and outline the process and very specific deadlines that must be followed exactly.

Probably the most important time to have a lawyer represent you is IMMEDIATELY after your LTD benefits have been denied or terminated.

It is important that we have as much time as possible before your appeal is due to be able to collect evidence supporting your claim. Obtaining records and reports and in some cases having you evaluated by a vocation expert may take several months, so every day is important!

For more information click here to be linked to our LTD website.