Vermont Long Term Disability Lawyers

In Vermont, from the charming streets of Burlington to the serene Green Mountains, residents dealing with long-term disability insurance claims encounter a range of formidable challenges. Newfield Law Group represents residents of Vermont as they attempt to navigate through long-term disability insurance claims.

What most disability policyowners don’t know is that once they file a claim, the insurance company starts a process of information gathering, preparing a claims file where every piece of information will be scrutinized to find any opportunity to deny a claim.

Newfield Law Group attorneys speak with people every day who can’t imagine why their claim would be denied. They are most certainly disabled, and for many, filing for long term disability insurance was the last thing they wanted to do. We talk to people who tried working despite immense pain and difficulties, but at some point had to give up their careers.

After years of paying premiums, in many cases payroll deductions because their disability claims were part of their benefits package, these hard working people are taken by surprise when their claim is denied. But after more than twenty years of representing disability claimants, we know the bottom line. Claims for people who live in Vermont are the same as denied claims in any state. The fewer benefits paid, the higher profits for the insurance companies.

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The Importance of an ERISA Appeals Lawyer in Vermont

For Vermont residents navigating long-term disability claims, particularly those under the Employee Retirement Income Security Act (ERISA), securing specialized legal representation is crucial. ERISA is a federal law used by disability insurance companies to maintain tight control over how benefits are denied. ERISA imposes a detailed set of regulations and deadlines for filing disability claims and appeals, including not permitting a jury trial when the insurance company fails to pay a deserving claim.

There is an entire industry built around the insurance company’s rejection claims. It includes doctors who only review paper files and are paid by the insurance companies as well as doctors who don’t have a regular practice but perform Independent Medical Examinations (IMEs) for insurance companies. There are also entire companies known as third-party administrators who work to manage and contain claims, investigators and data analysts who review statistics to determine which claim will be more costly and therefore should be denied. And that’s not even to mention the number of lawyers who work for insurance companies both inside the insurance company and at outside law firms.

The resources available to the disability insurance company can be overwhelming. The representation of an experienced and skilled disability attorney is vital for the success of a group policy disability claim in Vermont.

How to Respond to a Denied Disability Claim in Vermont

If your disability claim has been denied, it is essential to act quickly and strategically to protect your rights. The denial letter will explain the reasons for the denial and set a deadline for filing an appeal. Navigating this appeal independently can be challenging and may lead to additional setbacks. Our firm’s deep experience with ERISA appeals underscores the importance of a strategic and informed approach, which includes gathering additional, detailed information about your employment, the demands of your job, and any critical medical records that may have been initially missed.

We offer a free, no-obligation consultation to Vermont residents to discuss your claim, assess the insurance company’s tactics, and explore your options for effectively contesting their decision. The ERISA claims and appeals process is intricate and often requires a level of expertise and strategic planning that can be overwhelming without professional assistance.

Call our office today at 877-406-7883 to speak with Jason Newfield and learn more about how you can protect your claim.

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    Newfield Law Group does not handle Social Security Disability Claims