Missouri Long Term Disability Lawyers

In Missouri, from the bustling streets of St. Louis to the scenic Ozarks, individuals filing for long-term disability insurance claims encounter numerous obstacles. Our law firm is able to represent Missouri residents when their short-term and long-term disability insurance claims have been delayed or denied.  

The process of managing these claims is challenging, as insurance companies use a small army of claims managers, doctors for hire, investigators and others to find any reason to deny or delay payouts. While these measures are standard for the industry, they result in considerable hardships for individuals and their families, affecting their financial stability and overall well-being. 

 Why would a Missouri resident have their disability insurance claim denied? The insurance company looks for reasons to deny claims. Once a claim has been filed, the insurance company claims investigators begin a process of gathering information, which can be used to deny a claim. It’s never as simple as a single missing document. Often, there are strategic pitfalls in the claims process itself, which an inexperienced person will fall into. With investigators, claims managers, doctors whose sole practice is reviewing claims for insurance companies, and many others who work for the insurance company, reasons to deny a claim can often be found.

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The Necessity of an ERISA Appeals Lawyer in Missouri

For Missouri residents dealing with long-term disability claims, particularly those governed by the Employee Retirement Income Security Act (ERISA), securing specialized legal representation is crucial. ERISA establishes a strict regulatory framework, including detailed procedures and tight deadlines for filing and appealing disability claims. This complex legal landscape requires the knowledge of an experienced ERISA appeals lawyer to ensure that your claim is thoroughly prepared and effectively defended.

Applying for long-term disability benefits demands precise and comprehensive documentation from the start, which is essential for both the initial application and any appeals. Any deficiencies or inaccuracies in this documentation can significantly undermine the strength of a claim. Our firm specializes in proactively identifying and addressing potential issues from the outset.

There are a number of illnesses that raise red flags for the insurance company. These include Chronic Fatigue Syndrome, Crohn’s Disease, Mental/Nervous Claims, Migraine Headaches, and others. Any disability that cannot be measured in a lab test or seen in diagnostic images is treated with more scrutiny from the start.

How to Respond to a Denied Disability Claim in Missouri

If your disability claim has been denied, it is vital to act quickly and strategically to protect your rights. The denial letter will detail the reasons for the denial and set a firm deadline for filing an appeal. Navigating this appeal on your own can be overwhelming and may potentially complicate your case further. Our firm’s deep experience with ERISA appeals underscores the importance of a comprehensive and thoughtful approach, including the collection of additional, specific information about your employment, the physical or cognitive demands of your job, and any critical medical records that may have been overlooked initially.

We offer a free, no-obligation consultation to Missouri residents to discuss your claim, explore the insurance company’s tactics, and evaluate your options for effectively challenging their decisions. The ERISA claims and appeals process is intricate and can be daunting, requiring experience, knowledge and strategic insight.

Do not accept a denial of your claim as the final word. Call Disability Attorney Jason Newfield at 877-406-7883 to discuss your situation. The more you know about your disability claim, the better informed you will be to make a good decision about how to go forward.

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    Newfield Law Group does not handle Social Security Disability Claims