ERISA Disability Insurance Denials: How to Challenge an Unfair Decision
The Employee Retirement Income Security Act (ERISA) governs most employer-sponsored disability insurance plans and provides guidelines for claims and appeals. While ERISA is meant to protect employees, it often benefits...
How Long Do You Have to Appeal a Disability Insurance Denial? Understanding Deadlines
When a disability insurance claim is denied, many claimants feel overwhelmed and unsure of their next steps. One of the most critical aspects of challenging a denial is understanding the...
How to Handle Delays in Long-Term Care Insurance Claim Processing
Long-term care insurance provides financial support for individuals who need assistance with daily living activities due to aging, illness, or disability. However, one of the policyholders’ biggest frustrations is dealing...
I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...
Former Client
I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...
Ms. B.
As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...
Dr. S.
My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...
Dr. JM
I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...
Dr. FM
am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...
BT
I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...
Paula R.
I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...
Dr. G.
I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...
Help Is Here If You Have Lupus And Need Insurance Coverage in Florida and Nationwide
Lupus is an autoimmune disease that is often disabling. Unfortunately, far too many individuals, employers and insurance providers either do not understand lupus or believe that it is not a disabling condition.
At Disability Insurance Law Group, however, we understand the severe toll that lupus can have on its sufferers. We are a team of attorneys who help people with disabling injuries and illnesses. Based in Florida and nationwide, we work with clients throughout Florida and nationwide to make insurance providers pay the coverage they owe.
A Primer On Lupus
Lupus, also known by its scientific name, systemic lupus erythematosus, occurs when the immune system turns against its own tissue and organs. Patients typically experience inflammation, tissue damage, fatigue, joint pain and facial rashes. Lupus has a range of triggers that vary patient to patient. Some triggers can include light, stress, infections and certain medications. Although there is no cure, treatment with immunosuppressant drugs can keep symptoms under control.
The Trouble With Lupus And Disability Insurance
If your lupus inhibits your ability to work, it may count as a disabling condition and you may qualify for disability insurance. However, many insurance companies try to avoid paying claims related to lupus, as the limitations due to the condition are subjective. Our disability claims attorneys have worked with numerous clients whose insurance companies rejected, delayed or made a too-low offer on a lupus claim. To obtain disability coverage, you will likely need the advocacy of lawyers like us who can hold your insurer to its policy and get coverage into your hands.
At Disability Insurance Law Group, We Also Offer Insurance Claims For The Following Conditions: