The Administrative Review Explained
Consult Our Maryland Social Security Disability Attorney
A negative decision on your long-term disability insurance from your insurance
carrier is not necessarily the last word. If your long-term disability
insurance carrier has made a decision that you don't disagree with,
you have the right to file an appeal. An appeal will initiate an administrative
review process, which is an internal evaluation of your disability claim
by your insurance company. Having a Maryland Social Security disability
lawyer from our firm, The Bernstein Law Offices, during an administrative
review could be extremely advantageous to the result of your case.
It is important to
act quickly after your claim is denied, because
there are usually deadlines for requesting an administrative review. Employee Retirement and Income
Security Act (ERISA) also requires that insurance carriers provide you
with certain information when a claim is denied.
Under ERISA, additional documentation that your insurance company is required
to give you could include:
- An explanation of the reasons your claim was denied
- The process needed to apply for an administrative review
- Additional information required to resubmit your claim
ERISA Disability Claims vs. Non-ERISA Disability Claims
If your policy is governed by ERISA, you are required to follow all of
the administrative steps contained in your policy terms. If you are still
denied your claims after completing all of the proper procedures, only
then will you be allowed to pursue a lawsuit against your insurance carrier.
If your long-term disability policy does not fall under ERISA, you will
need to observe Maryland state laws regarding your claim.
When you file a lawsuit, the courts typically only review information presented
in the claims file that you submitted to your insurance company. You are
not allowed to bring in any additional documents. For this reason, having
the proper evidence in your initial application is not only important,
it is instrumental to the outcome of your claim. A competent and skilled
lawyer can help you prepare a strong claim that can survive the administrative
Your free legal consultation is just a phone call away! Call The Bernstein
Law Offices today!
If you are feeling stressed about your disability claim, there is no reason
not to talk to a lawyer from our firm as soon as possible. Our attorney
can guide you through the administrative review process and oversee all
the medical evidence required for your claim.
We have successfully recovered millions of dollars for our clients. You can trust us, and our proven results. Initial
case consultations are absolutely free of charge and obligation, so why wait?
Call The Bernstein Law Offices
today to set up an appointment with a caring and knowledgeable lawyer.