Ideally, we would like your claim file; however, if you do not have it, do not worry. We can establish the basics of your case by reviewing your denial letter. Most likely, you applied for long-term disability benefits and you were denied by the insurance company. If this happens, you should have a “denial letter,” which discusses the reasons you were denied. Feldman, Fox & Morgado can review your denial letter and claim file (if you have it) for free to determine if you have a case. Nevertheless, do not wait to get Feldman, Fox & Morgado this information.  Typically, you only have 180 days from the date of your denial letter to appeal your decision. 

What documents you submit for your appeal are also critical. This is because a federal judge will pay particularly close attention and be somewhat limited by what he or she can review when looking at your case. What your appeal consists of, along with what is in your claim file, will make up the bulk of what evidence you can introduce during a lawsuit. In other words, if you do not submit a proper appeal, you are hurting your chances to be successful in a future lawsuit. Feldman, Fox & Morgado can help you appeal your long-term disability benefits. If you would like help or you would like us to review your case email us here.