Disability Insurance provides partial wage replacement benefits in the event you become disabled during your career. The Sasser Law Firm has been helping people recover and keep their disability insurance benefits for over 35 years. We handle claims involving employer-sponsored and individually purchased Disability Insurance. Contact us today to consult with a Charlotte long-term disability lawyer who can help you get the benefits you deserve.
Fighting for Your Rights Every Step of the Way
The Employee Retirement Income Security Act of 1974 (ERISA) is a complex piece of federal legislation that deals with employee benefit plans and, importantly, how benefit denials can be made and challenged.
We are one of the very few firms in the state with experience litigating cases over Short and Long-Term Disability Benefits. Our team has spent years establishing our reputation with insurance carriers as a formidable force that is serious about advocating for our clients and unafraid to litigate. Our Charlotte-based long-term disability attorneys have litigated ERISA cases in federal courts in North Carolina, South Carolina, the 4th Circuit Court of Appeals, and the United States Supreme Court. We also have represented ERISA beneficiaries in federal courts across the country, and take select cases from all over the nation.
The process for obtaining the benefits you are owed can be complicated and involve different processes. As your trusted navigators, our Charlotte attorneys strive to help you through every step of your long-term disability case.
ERISA requires the insurance company to offer you an opportunity for an “appeal” of your long-term disability denial. Even though this appeal happens outside of court, it can be the most crucial time for protecting your case. The information provided on appeal will greatly impact your likelihood of success if you have to move forward with filing a lawsuit. Additionally, the success of your short-term disability claim can directly impact the success of your long-term disability claim. Do not wait to hire an attorney until it is too late.
Employees of State and Local Government entities have plans with their own rules and processes. We help individuals appeal and challenge disability retirement denials on both the state and local levels.
Some employers are exempt from ERISA. Challenges to their long-term disability plans are brought in state court, and can have certain advantages. It is important to retain a lawyer who knows the law and can leverage every possibility to maximize the value of your claim.
Many workers who become disabled also have claims for social security disability or workers’ compensation. Coordinating these benefits can be tricky. Our attorneys have the expertise and experience to help plan the best strategy for your particular circumstances.
Long-term disability benefits provide a portion of your income to cover living expenses when a protected illness or injury prevents you from working for an extended period, often until retirement age.
Benefits typically include monthly income replacement. Common covered conditions include chronic back pain, cancer, heart disease, cognitive disorders, and neurological disorders.
Most policies define disability based on your inability to perform your own specific job. A long-term disability lawyer in Charlotte can evaluate your claim, ensure your application is complete and accurate, and represent you during negotiations with your insurer.
Both ERISA and non-ERISA long-term disability claims involve processes with strict, technical rules and deadlines. A Charlotte attorney can ensure you meet these crucial deadlines to protect your right to benefits, as missing them may lead to a denial of your long-term disability claim.
We can act as your advocate, cutting through administrative red tape and interacting with the insurance company on your behalf. Our team can identify and collect essential medical evidence, such as objective findings from MRIs and other tests, that may be critical to building a strong claim.
In the event of a denial, we can guide you through the complex appeal process, helping to preserve your rights and build an effective case for the reinstatement of your benefits. With an attorney handling the complicated administrative and legal aspects of your claim, you can concentrate on your health and well-being.
To learn more about how the Sasser Law Firm can help with your long-term disability claim, contact us today to schedule a consultation. Our Charlotte long-term disability lawyers can help you through the claims process so you can focus on your recovery.
Sasser Law Firm represents clients in serious and complex cases related to personal injury, ERISA and policyholder disputes, social security disability, and workplace injury. Led by experienced attorneys with a passion for justice, our firm has built a reputation for delivering results for our clients. We understand that these types of cases can be incredibly challenging, and are committed to fighting tirelessly on behalf of those we represent.
The Sasser Law Firm
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The Sasser Law Firm
