Reasons For Disability Claim Denial

Disability insurance and benefits attorneys fight for Chicagoans and people throughout the United States

Most Illinoisans dutifully pay insurance premiums directly or through payroll deductions each pay period to provide economic support in the event of unanticipated illness, accident or other injury. However, all too often, hard-working Americans receive a disability or other benefit claim denial when they become sick or injured and need their benefits to support themselves and their families. Simply because your claim has been denied at the initial level does not mean that you cannot receive compensation, however. Even though your claim has been denied, one of our experienced DeBofsky, Sherman & Casciari, PC disability lawyers may be able to assist you in presenting a more compelling disability claim.

What should I do if my employer-provided disability benefits are denied?

Insurance companies, employers and unions may reject disability claims for a variety of reasons, many of them unwarranted. Your next step depends on whether your plan was privately purchased or provided by your employer. If your plan is private, you may file a lawsuit immediately. However, if your plan is provided by your employer, it is governed by the Employee Retirement Income Security Act (ERISA). Under ERISA, you must first exhaust the claim appeals process within 180 days of the claim denial. Under ERISA, you may also sue to recover benefits that should have been paid if the claim had not been improperly denied, and you may also be awarded your attorney fees and court costs. Understanding your plan, the health insurance benefits provided, along with other benefits such as life insurance and accidental death and dismemberment benefits, along with disability insurance law can help you determine if your claim was improperly denied.

Contact us for responsive assistance with your disability claim

Handling your disability benefits or other insurance or benefits claim thoroughly and expediently can significantly reduce the amount of time it takes to begin receiving the benefits to which you are entitled. At DeBofsky, Sherman & Casciari, PC our attorneys make every effort to return your calls and e-mails the same day. Contact us today at 312-702-1842 or 800-237-5182 or online to schedule your appointment at our Chicago Loop office.