Disability is an event that is usually unexpected and happens more often that most of us are aware. If it happens to you, you may be entitled to disability income protection benefits under the Federal Social Security Act, State sponsored disability plans such as PERA (Public Employees Retirement Account) and employer sponsored or individual disability plans through insurance companies.
Unfortunately, being covered under such programs doesn’t necessarily mean you will get those benefits when you apply and need them the most. In Colorado, 79% of applications for Social Security disability benefits are denied. Of those who appeal, it takes an average of 412 days for an appeal to be processed by the Denver office! Most people find that they can’t navigate the maze without the assistance of an attorney. Gordon Williams has been helping people successfully get their benefits since 1987.
Private disability plans are governed by the Employers Retirement Income Security Act (ERISA). When this law was enacted it was primarily influenced by the insurance company lobbyists. If the insurance company initially denies your disability claim, it is important that your appeal to the insurance company be done correctly. Don’t wait too long to seek help on your disability claim. Remember the same insurance company that decides if you are disabled usually is the same company that must pay that disability benefit until you reach retirement age. Insurance companies make a profit when they don’t pay claims. That insurance company, therefore, may not be acting in your best interest!