Have You Been Denied Short Term or Long term Disability Benefits?

• Have you received a letter from your disability insurance company denying your claim or ending your disability benefits?
• Have you received a letter from your disability insurance company threatening to deny your claim or to end your disability benefits?
• Has a representative from your disability insurance company said something to you that makes you think that they will end your benefits?

If you answered “Yes” to any of these questions, your short term disability (STD) or long term disability (LTD) benefits may be in jeopardy.

Our office can help. We are disability attorneys that serve the Kansas City area. We have represented hundreds of clients in STD and LTD appeals and in lawsuits against insurance companies that deny disability benefits.

If you have received a letter from your disability insurance company, we welcome the opportunity to review that letter with you and discuss your options. Because these claims have strict deadlines, it is important to get an early start on the appeal process.

Appealing an STD or LTD claim will involve a few different steps. Our office can help with that disability appeal process. We can request the disability insurance policy, the insurance company’s file, medical records, and work to strengthen your claim.

Most STD and LTD claims are governed by the Employee Retirement Income Security Act (ERISA). ERISA is a unique federal benefits law. Its special rules can be complicated, and our disability lawyers will help you through the appeal process.

If you have a final denial on your disability claim, we would be happy to discuss the possibility of filing a lawsuit against the insurance company. Because of ERISA’s rules and deadlines, it is important to discuss a denial letter with an attorney as early as possible.

We have helped clients dealing with many insurance companies, including:

•           Aetna
•           Assurant
•           Cigna (LINA)
•           Disability Management Services
•           Disability Reinsurance Management Services
•           Guardian
•           Hartford
•           Liberty
•           Lincoln
•           MetLife
•           Principal
•           Prudential
•           Reliance
•           Sedgwick
•           Standard
•           Sun Life
•           Unum

Please contact our office to schedule a consultation. Our office is a full scale disability law office located in North Kansas City, Missouri. In addition to the practice of STD and LTD, we represent clients in Social Security disability appeals, VA claims, Railroad Retirement Board claims, and other areas of disability law.