I have developed a medical condition and need to make a claim for long-term disability coverage provided through my employer? Can’t I do that on my own?
The law that governs employer-sponsored disability insurance, known as ERISA, is notoriously friendly to insurance companies and employers and unfriendly to disabled claimants. The failure to provide evidence of disability during what is known as the administrative phase of the claim—when you are dealing directly with your employer or with its disability insurance carrier—can be fatal to your claim and prevent you from presenting significant evidence in any appeal to federal court.
You should at the very least consult with an attorney who regularly practices in this area, as Steve Kunkle has done for over 36 years.