Virginia Long Term Disability Lawyers

In Virginia, from the bustling corridors of Northern Virginia to the historic streets of Richmond and the coastal regions of Norfolk, individuals grappling with long-term disability insurance claims are often surprised when their claims are denied. Why would this happen? 

If you are among the millions of Americans who have disability insurance payments deducted from your wages or if you’ve purchased private or individual disability insurance on your own, you have every reason to be surprised when you file a claim and it’s denied. Why would you have purchased disability insurance if you thought your claim wasn’t going to be paid?

Newfield Law Group helps residents throughout Virginia as they navigate the intricate processes of both short-term and long-term disability insurance claims. For those who filed a claim for the first time, it’s often a jarring experience. 

For employees of disability insurance companies who are rewarded when they manage to shut down claims, given bonuses based on the amount of claims they deny and directed to go easier on claims from states where a strong insurance commissioner pushes back on wrongful denials, it’s part of the job.

For claimants, it’s a rude awakening. 

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The Necessity of an ERISA Appeals Lawyer in Virginia

For Virginians who have disability insurance policies as part of their employee benefits, dealing with long-term disability claims means learning about a federal law, Employee Retirement Income Security Act (ERISA). This is a complex framework of rules and deadlines that governs the filing and appeal of disability claims. Instead of protecting the employee, which was the original intent of its creators, ERISA is used to control the disability insurance claims process. As a result, you’ll need the help of an experienced ERISA appeals lawyer to advocate for your claim.

The application for long-term disability benefits demands detailed and precise documentation, crucial for both the initial filing and any subsequent appeals. Any deficiencies or inaccuracies in this documentation can significantly undermine the success of a claim. Newfield Law Group takes a proactive approach in identifying and resolving potential issues from the outset, working closely with healthcare providers to ensure that all supporting evidence is compelling and comprehensive.

How to Respond to a Denied Disability Claim in Virginia

If your disability claim has been denied, you’ll need to protect your claim. The letter will give reasons for the denial and specify a strict deadline for filing an appeal. We tell our clients to find the original policy and review it. The denial may be based on certain provisions, or it’s been determined your medical records were not sufficient or you failed to meet the policy’s definition of disability.

Whatever the reason for the denial, we know from experience that handling this appeal on your own could be a mistake. Our firm’s extensive experience with ERISA appeals highlights the importance of a detailed and strategic response, which includes gathering additional information about your employment, the demands of your job, and any essential medical records that may have been overlooked initially.

We offer a free, no-obligation consultation to Virginia residents to discuss your claim, review the tactics used by the insurance company, 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 careful planning that can be overwhelming without professional guidance.

Contact the Newfield Law Group at 877-406-7883 to speak with disability attorney Jason Newfield about your situation. Don’t delay, as your claim deadline will come sooner than you think.  

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    Newfield Law Group does not handle Social Security Disability Claims