Long Term Disability Insurance Lawyer
The law firm of Alan J. Nuta, Attorney at Law, can help you receive the long term disability (LTD) benefits to which you may be entitled. If you have an illness or disability preventing you from earning a living, call toll free 1-888-263-2630 to schedule a free consultation at an office location nearest you.
Becoming disabled is serious enough. Having your LTD claim denied or terminated can lead to more serious consequences for your family. I am disability and personal injury claims attorney Alan Nuta, and I want you to understand some important things about filing LTD claims.
There are Two Main Kinds Of Long Term Disability Policies
The first is a privately held policy, usually purchased by professionals such as lawyers, doctors, and small business owners. The second kind covers people insured through a group policy, and benefits are governed under the Employee Retirement Income Security Act of 1974 (ERISA). Usually, ERISA policies are purchased by employers to provide benefits for workers who become sick or disabled on the job.
Long Term Disability Insurance Denials, Terminations, and Appeals
Even though they have received premiums for years, far too often insurance companies wrongfully deny coverage or try to terminate benefits. The worst mistake a person can make is just to accept the insurance company's decision without seeking legal counsel. Many of these denial or termination decisions can be reversed if they are appealed. Often, there are appeal deadlines. In many cases, if the decision is not appealed through required procedures, the right to file a lawsuit can be lost forever.
In many cases if a proper record is not developed during the appeal, the case could be lost, because if it goes to Court only that evidence in the record at the time the Court case is filed can be considered by the Court - the Court will not, in many cases, accept new and material evidence. Therefore, it is important that all documentation and medical evidence be added to the record during the appellate process. When appropriate, additional medical examinations should be held and medical reports obtained to support the appeal. Because of these deadline and evidence requirements, it is important that a person see a lawyer as soon as he or she believes the claim will be denied or benefits will be terminated.
An experienced long term disability insurance lawyer knows how to prepare a case. Sometimes a favorable settlement can be negotiated, while other times a lawsuit is required. Since a person's financial security is at stake, every step should be taken to obtain benefits.
What can the law firm of Alan J. Nuta, Attorney at Law, do for you?
It is important that all documentation and medical evidence be provided when you file your initial claim or appeal. We do the legwork of acquiring all medical reports and other records you will need to support your claim. Because of deadline and evidence requirements, it is important that you retain an experienced LTD attorney right away.
As an experienced long term disability insurance lawyer, I know how to prepare your appeals case. Sometimes a favorable settlement can be negotiated, while other times a lawsuit is required. I never forget that your family's financial security is at stake, and I take every step necessary to help you get benefits.
How can you afford a Lawyer if you are not working?
I understand that people fighting an insurance company for their rightful disability benefits usually have no other income and cannot afford to pay attorney fees and other costs. I work on a contingency-fee basis, which means that you will never receive a bill for attorney fees or associated costs unless you receive benefits for your claim. Even my initial consultation is free. Call Toll Free 1-888-263-2630 to schedule an appointment at any of my offices.
Alan J. Nuta, Attorney at Law
LTD Insurance Lawyer ▪ Long Term Disability Insurance Laws
Toll Free: 1-888-263-2630
The law office of Alan J. Nuta, Attorney at Law, represents residents of communities throughout Maryland and surrounding the Washington, D.C., metro area, including communities such as Hagerstown, Gaithersburg, Greenbelt, Westminster, Baltimore, Frederick, Bethesda, College Park, Columbia, Rockville, Chevy Chase, Silver Spring, Potomac, Brunswick, Martinsburg, Germantown, Ellicott City, Aspen Hill, Wheaton, and additional MD suburbs. I also represent residents of District of Columbia and West Virginia.
Counties
Montgomery County ▪ Baltimore County ▪ Frederick County ▪ Washington County ▪ Carroll County ▪ Prince George's County
| Frederick, MD:
5301 Buckeystown Pike,
Suite 308
Frederick, MD 21704 | Gaithersburg, MD:
702 Russell Avenue, Suite 300
Gaithersburg, MD 20877 | Greenbelt, MD:
8955-A Edmonston Road
Greenbelt, MD 20770 |
| Hagerstown, MD:
20 West Washington Street, Suite 501
Hagerstown, MD 21740 | Westminster, MD:
30 North Court Street
Westminster, MD 21157 |
