Aetna Long Term Disability Insurance Claims Lawyers
Aetna is one of the largest insurance providers in the United States, with a network of over 22 million medical members, nearly 13 million dental members, and 1.2 million healthcare providers, almost 700,000 specialists and primary care doctors, and nearly 6,000 hospitals. The company’s full-year net income for 2017 was $1.9 billion, according to the company’s own blog and press releases. The company was founded in the 1800s and in 2017, the company’s disability insurance business was bought by Hartford. The company sells consumer-directed health insurance, traditional health insurance, and related services.
With so many policyholders across the country, the company is responsible for paying for benefits when they are needed the most. Unfortunately, individuals may find that obtaining the long term disability benefits they paid for can be a complicated process, fraught with confusion, delays, and unexpected denials of valid claims. If you’ve become disabled and need to file a claim with Aetna, turn to an experienced disability insurance attorney for assistance. The attorneys at Abell and Capitan Law can help you, no matter what stage of the process you might be in. Do you need help understanding your policy and what you’re entitled to? Call us. Do you need assistance filing your disability claim? Call us. Have you filed a claim and been stonewalled by the insurance company? Let us help you.
We know that getting long term disability benefits from companies like Aetna can seem like an uphill battle. Let our team put our experience and skill to work for you. Contact us at (267) 419-7888, fill out a contact form, or chat with us live to schedule a free consultation. We won’t collect any attorneys fees until you are paid the disability benefits you are owed.
Do I Need a Long Term Disability Insurance Lawyer?
If you’re suffering from a disabling condition, it is suggested that you hire a knowledgeable long term disability insurance lawyer to help you understand your policy and the benefits you are entitled to. If you’ve already filed your application and received a denial, be sure to hire an attorney to help you appeal the company’s decision and fight to help you get the disability benefits you’ve paid for and are owed.
Because the appeals process with an insurance giant like Aetna can be complicated, an attorney can help you navigate the pitfalls and will help you obtain the full benefits that you need to pay your bills, support yourself and your loved ones, and live your life.
Policyholders have reported that Aetna and other major insurers often deny claims, delay payments without a legal reason, or may not be responsive to policyholders’ legitimate questions about their claims or benefits. They may also try to bury you with paperwork, some of it redundant with things you have already sent to them. Sometimes they require medical exams from doctors with the wrong education and specialty or even require you to undergo functional capacity examinations that are far away and difficult for you to get to. They may ignore new medical information about your disability that supports your claim or willfully misinterpret the terms of your disability insurance policy. And all of these tactics are intended to wear you down so that you accept less money for your disability claim.
Insurance companies know that, when you file a disability claim, you are often in pain or ill, and you may have only limited financial resources to pay bills when you are out of work. A disability claims lawyer will know these tactics and will not let the insurer take advantage of you.
Why Work With Abell and Capitan Law?
Abell and Capitan Law partners Erik Abell and Joe Capitan have extensive experience handling long term disability insurance claims for their clients. Attorney Joe Capitan graduated from the University of Miami School of Law and is licensed in Pennsylvania. Capitan was recently named one of the Super Lawyers Rising Stars of 2019 by Super Lawyers, a nationwide rating service that lawyers in 70 practice areas. This honor is bestowed upon attorneys under the age of 40, with only 2.5 percent of Pennsylvania lawyers making the cut.
Attorney Erik Abell is licensed in Kentucky and graduated from the Louis Brandeis School Of Law at the University of Louisville, and he focuses his practice on long term disability insurance matters.
Our attorneys work on a contingency basis: if we take your case, we will not charge you a retainer or any other fees. We only get paid when we help you get benefits from your insurance carrier. We will assist you with filing your claim to make sure that it is handled appropriately. If your claim has been denied for some reason, we will work with you to gather all the necessary information and make your case before the appeals administrator. If your appeal is denied, we will aggressively litigate to protect your rights and hold the insurance company to its obligations.
Aetna Disability Insurance Cases We Handle
Our knowledgeable disability insurance claims attorneys have extensive experience helping people get the disability benefits they are owed from Aetna and the other large insurance companies. We are prepared to help you at every stage of the process, including:
Application Assistance – If your life has been impacted by a disabling injury or illness, our attorneys can help you determine the types of disability benefits you qualify for, which can be confusing at times. For example, many employees are unaware that they are covered by an employer-sponsored insurance policy or group disability policy. Our lawyers can help you determine what coverage is available to you, and we’ll help you submit an application for benefits that is complete, thorough, and will not be denied due to lack of attention or detail.
Appeal a Denied Claim – A denied claim doesn’t mean that you are not disabled or that you’ll never receive the benefits you know that you’re entitled to. According to the Employee Retirement Income Security Act (ERISA) which protects individuals in private industry health plans, a denied claim must come with a detailed explanation for why it was rejected. You have the right to obtain (for free), any copies of documentation, medical expert opinions, and other information that led to this decision, and you are legally allowed to appeal it. An attorney could help you with your appeal, which could include:
- Submitting missing medical records and documentation
- Having you retested by another physician or specialist
- Incorporating non-medical evidence, like testimony from family and friends about the impact your disability has had on your life
Our attorneys will seek to reopen the lines of communication with the insurance company and have them re-evaluate your denied claim. We can submit a detailed demand letter that will address the medical and legal issues that we have with the denial. This will give the insurer a final chance to pay you the benefits we feel you’re owed before we file a lawsuit.
Litigate Your Claim – If the insurance company fails to reconsider their decision after mediation and discussions, we may need to file a lawsuit to get you the benefits that you are entitled to. If we feel that there was no good faith basis for the company’s denial of your claim, we’ll file a written complaint to the Department of Insurance and Department of Finance in your state, which is required by most states if you intend to file an insurance bad-faith claim. We may then need to file a breach of contract lawsuit in federal or state court against the disability insurance company to help you get the benefits you’re owed.
Contact an Aetna Disability Insurance Lawyer
Even if you are intimidated by the size and reputation of a major disability insurance carrier like Aetna, you should not be afraid to file a claim for benefits if you’ve become disabled, nor should you accept a denied claim when you know that your condition qualifies. Instead, turn to a dedicated disability insurance lawyer for assistance with your application, appeal, or litigation if necessary.
When you hire Abell and Capitan Law, your chances of getting the disability benefits you deserve increase significantly. We know that dealing with a disability can be challenging for both you and your family, so don’t try to do it alone, especially when you have insurance that should be available to help you. Call us today at (267) 419-7888 to schedule a free, confidential consultation. We serve clients on a contingency fee basis, which means that we won’t collect any attorney’s fees until you collect the benefits you deserve.