Should You Retain A Lawyer

Recently, a United States law firm settled a client’s lawsuit against a life insurance company who decided to terminate the clients long-term disability benefits. The lawsuit claimed that the insurance company prematurely terminated the clients disability benefits explained a Los Angeles ERISA life insurance attorney. The client’s residence was located in New Jersey but the life insurance company was located in the downtown section of Indianapolis. The law firm was able to represent the client in Indiana since the life insurance company was incorporated under Indiana law. The case was filed in a federal district court that was under the umbrella of the Southern District of Indiana.

The client was an accounts manager for an insurance broker. She was an employee for the broker since 2008. Image result for lawsuit against the insurance companyIn December 2012, she became disabled and was unable to work any more because of severe cervical stenosis and a lumbar radiculopathy. These two conditions resulted in ongoing fecal incontinence along with chronic pain. Her doctors were able to provide her with medical proof that she would not be able to continue working because of these medical impairments.

The disability insurance policy from her employer stated that she would be compensated if she was ever unable to continue her job due to illness or injury. The insurance company paid the clients short-term disability benefits and long-term disability benefits. After 24 months, the insurance company claimed that the disability was caused by a mental impairment and therefore the disability insurance policy would only cover the benefits for a 24 month period.

There was fine print in the insurance policy that stated that if a disabling condition was considered to be a mental impairment then the benefits would only last 24 months. However, the doctors records and reports established that the client was suffering from what they originally stated, chronic lumbar and cervical back issues.

After appealing the decision with the insurance company unsuccessfully the law firm filed a lawsuit against the insurance company. The insurance company provided various submissions on why this woman could have actually returned to work. The judge in the case decided to get the two parties together so as to resolve the case prior to further litigation. This resulted in a settlement that was mutually satisfying to all parties. At this point, the client dismissed her lawsuit against the insurance company.

If anything like this ever occurs to you it is important to contact a reputable and experienced law firm for a free consultation.

Tips For Finding The Best ERISA Life Insurance Attorney

When it comes to finding the best ERISA life insurance attorney, many people aren’t sure quite how to go about it. If you have been denied life insurance, then it’s not a good idea to try to do a DIY, do-it-yourself appeal. Instead, it is advised that you retain a reputable ERISA life insurance lawyer to handle the appeal for you and to help you get what you deserve in a court of law. Read on below for a few tips to help you find the right ERIA life insurance attorney to meet your needs.

Ask For Referrals

Image result for meeting your insurance attorneyThe first thing you need to know is that it’s impossible to find the best ERISA life insurance attorney to meet your needs by flipping through the yellow pages of the phone book. Your best bet is to talk to people you know who have been in your situation and see who they used to help them win their case. If possible, get the names of two to three ERISA life insurance attorneys, so that you have a few to research and choose from.

Do Your Research And Read Reviews

Once you have the names of two to three lawyers who might be able to take your case, it’s important to do your research. You can browse the lawyer’s website to see just what services they offer and read reviews from past clients. Don’t forget to check out social media sites, such as Facebook and Instagram to see what is being said about the lawyer you are considering.

Never Hire Over The Phone

Once you have narrowed your search down, it’s important to meet with the lawyer in person. You want to avoid lawyers who seem to be ambulance chasers. The best way to do that is to schedule a consultation with the lawyer you are considering seeing what they have to say and if you get along.

Always Be Totally Honest

When you go to your consultation, you need to be completely honest with your attorney. There must be trust between a lawyer and his client. If at any point during your consultation you feel uncomfortable with the lawyer or like he doesn’t have your best interest at heart, it’s best to politely excuse yourself and move onto the next lawyer on your list.

These are just a few tips to help you find the best ERISA life insurance attorney to meet your needs. Do your research, schedule a consultation, and then choose the best lawyer based on who can meet your needs.