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If your disability insurance claim is denied, you may be angry about the way you were treated. While this is common, you don’t want it to cloud your good judgment. Instead, it would be in your best interest to learn more about the appeals process and how to immediately move forward.

There are many reasons to appeal a denial, including the fact that you want to eventually receive the benefits that are owed to you. Furthermore, the Employee Retirement Income Security Act of 1974 (ERISA) requires you to exhaust all necessary measures before filing a lawsuit in relation to a group policy denial. The same laws do not apply to an individual policy.

Once you file an appeal, the insurance company has the ability to review your case and determine if a mistake was made. In other words, you are giving them another chance to make things right before you escalate the situation.

Most policies require one mandatory appeal, but some documents call for two. In this case, you will have to go through two appeals before you can take any other action against the insurance company.

As frustrating as it may be, if you are owed compensation through a disability policy, you don’t want to stop at anything. It is your right to appeal the denial, and in some cases, file a lawsuit.

Before you do anything, learn more about disability insurance denials and appeals. With this knowledge, you will have a better understanding of what to expect in the future. Our website is full of tips and advice. Begin your search for information on our “Frequently Asked Questions” webpage.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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