ERISA Short-Term And Long-Term Disability Benefits

A disabling medical condition can severely impair an individual's ability to earn a living. Thankfully, short-term and long-term disability benefits provide income to disabled individuals to alleviate their financial hardships. However, obtaining such benefits is not a straightforward process.

At the Foster Law Firm, we help individuals navigate the complex requirements set forth by the Employee Retirement Income Security Act (ERISA) and other applicable laws to obtain disability benefits. Based in Greenville, we serve throughout South Carolina and handle ERISA matters nationwide. Contact us to learn more.

Help For A Wide Range Of Conditions

Our attorneys can help pursue ERISA benefits for a full array of disabling conditions, including:

  • fibromyalgia
  • arthritis
  • cancer
  • lupus
  • depression
  • multiple sclerosis
  • back problems
  • any significant sickness or accidental injury that impairs one's ability to work

Long Term Disability Benefits - Insurance Claims Process

Attorneys Leila Louzri have extensive knowledge and experience guiding clients through the process of obtaining long term disability benefits. Our firm has handled claims at all levels, from filing the initial claim through the appellate court level and all the way up to the United States Supreme Court.

With disability claims, there can be any number of reasons for which an insurance company can deny a claim. However, the most common basis for denial are:

  • the assertion that the insured is not "disabled";
  • the assertion that the insured's "disability" is based upon a pre-existing condition;
  • the assertion that the insured was not eligible for coverage at the time the disability occurred;
  • the assertion that the disabling injury is "work-related" or resulted from a "Workers' Compensation" injury;
  • the assertion that a person's disability is limited because it is a "mental/nervous" disorder or condition;
  • the assertion that a person's condition is "self-reported" or only based upon subjective symptoms as opposed to objectively verifiable medical evidence.
  • the assertion that an individual can work some occupation other than their own

Nathan Bax and Leila Louzri have extensive experience with cases involving all of the above bases for denial. We are unafraid to take on insurance companies — and have done so, successfully, many times.

What If My Claim Is Denied?

If your claim for disability benefits is denied, you will need to adhere to the strict 180-day appeals process. There are specific deadlines and requirements that must be complied with. Therefore, time is of the essence and it is critical to have an experienced short term and long term disability attorney on your side to improve the likelihood of prevailing in the appeal or later in litigation. Learn more about short term and long term disability appeals.

Putting Experience On Your Side

ERISA regulations do not govern private disability insurance policies or employee benefits for local, county, state, or federal government employees. Through his experience and understanding of applicable insurance and administrative laws, attorney Nathan Bax is also prepared to help individuals whose claim is not governed by ERISA with initial claims, appeals, and litigation.

To learn more, reach out to our firm. You can call us at 864-558-8224 or contact us online. Initial consultations are always free.