South Dakota Long Term Disability Lawyers

In South Dakota, from Sioux Falls to the rugged landscapes of the Black Hills, individuals dealing with long-term disability insurance claims face numerous obstacles. Newfield Law Group represents residents of South Dakota through the intricate and often complicated processes of both short-term and long-term disability insurance claims.

The task of navigating these claims is fraught with difficulties, as insurance companies implement exhaustive measures to find grounds for denying or delaying paying benefits.

Unlike a homeowner or auto insurance claim, the disability claim is likely to be denied if there is any reason to do so, including honest mistakes on the claims form or missing a single deadline. 

Why are these companies so eager to deny a disability claim in South Dakota? The long-range cost of a disability insurance claim makes it more costly for the insurance company’s bottom line. The fewer claims to be paid, the less exposure for the company’s profits.

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The Importance of an ERISA Appeals Lawyer in South Dakota

For South Dakota residents handling long-term disability claims, especially those under the Employee Retirement Income Security Act (ERISA), legal representation is essential. ERISA is a federal law that  establishes a complex set of rules and deadlines for filing disability claims and appeals, creating a challenging legal environment that necessitates skilled navigation. An experienced ERISA appeals lawyer is crucial to ensure that your claim is effectively prepared and robustly defended.

Newfield Law Group also represents people who have purchased their own disability insurance policies, known as “individual” or “private” policies. These are not subject to ERISA but as they generally pay higher benefits, are likely to be challenged, delayed, denied or terminated.

The application process for either type of  long-term disability benefits requires thorough and accurate documentation, vital for both the initial submission and any subsequent appeals. Any shortcomings or inaccuracies in this documentation can severely impact the success of a claim. Our firm takes proactive steps to identify and address potential issues early on, collaborating closely with healthcare providers to ensure that all supporting evidence is comprehensive and compelling.

How to Respond to a Denied Disability Claim in South Dakota

If your disability claim has been denied, it is critical to act swiftly and strategically to safeguard your rights. The denial letter will specify the reasons for the denial and set a strict deadline for filing an appeal. You need to respond in a timely manner.

Handling an appeal on your own can be daunting and may potentially complicate your case further. Our firm’s extensive experience with ERISA appeals highlights the necessity for a detailed and informed approach, including gathering additional, detailed information about your employment, the physical or cognitive demands of your job, and any essential medical records that may have been initially missed.

We offer a free, no-obligation consultation to South Dakota residents to discuss your claim, examine the strategies employed by the insurance company, and determine your best options for effectively contesting their decision. The ERISA claims and appeals process is complex and can be overwhelming without professional guidance.

Newfield Law Group can be called at 877-406-7883 to discuss your situation in a free, no obligation phone call. Time is not on your side  – we encourage you to call today.

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    Newfield Law Group does not handle Social Security Disability Claims