Long-Term Disability Case Attorneys

Have you filed a claim for long-term disability benefits under your employer-sponsored benefits package, only to be denied? Perhaps your claim was approved, but now the insurance company is threatening to cut off your benefits. Whatever the case may be, it is critical that you get an attorney involved as soon as possible.

At Christina Rivenbark & Associates, we move quickly to help you get the long-term disability benefits you need. We understand the nuances of insurance policies. We know how to find the exceptions and limitations that the insurance company will try to use against you. More importantly, we know how to close the loopholes and fight to force the insurance company to provide the promised benefits.

Understanding Your Long-Term Disability Insurance Policy

Our long-term disability case attorneys in Wilmington, North Carolina, will work with you to help you understand your policy. The most important question to answer is whether your condition meets your insurance policy's definition of a long-term disability. This can be complicated, and it can even vary over time. For example, one of the common reasons for benefits termination is that, at the two-year mark, many policies change the definition of disability from unable to be employed in your previous occupation to unable to be employed in any occupation. In other words, if you are able to even work a basic minimum wage job, you may no longer meet the definition of disabled.

Beyond that, we will help you understand what you are entitled to in terms of benefits. How much of your previous wages will be covered? Will there be coverage of cost of living expenses? Are you going to be required to file for Social Security benefits? We will explain your rights and obligations, and help you get the benefits you are entitled to receive.

The Appeals Process And Beyond

Whenever possible, we strive to get involved at the administrative level before a lawsuit needs to be filed. We will get the file from the insurance company, review your case history and determine what the insurance company has done. We will gather additional medical records, talk to medical experts if necessary, and build a strong case to get you the long-term disability benefits you need.

If the case has already passed the appeals stage, we will have to file a lawsuit in federal court. While you will not be entitled to a jury trial, we will be able to present information and argue on your behalf in front of a judge, who will make a final determination. Often, these lawsuits do not go to trial. Instead, they are settled outside of court, often with the insurance company providing a lump sum settlement instead of ongoing benefits.

Free Consultation About Long-Term Disability Insurance

The process can take time, but our disability lawyers will be on your side every step of the way. We know that you need benefits now, and we will work to move your case forward as efficiently as possible. For more information, contact us for a free consultation.