Long-Term Disability Lawyers in Michigan
Have you been denied a long-term individual disability claim by MetLife, Aetna, Aflac, Unum, Prudential, or another giant insurance company? Then you need to call Cochran, Kroll & Associates, the best long-term disability lawyer in Michigan.
Michigan disability claims are routinely denied the first time around, only to be approved once the victim relies on disability lawyers for justice. But more recently, an alarming trend is occurring in which individuals approved for long-term disability insurance benefits get their benefits canceled six months later.
The reason is that the Employee Retirement and Income Security Act of 1974 (ERISA) was rigged by Congress and further rigged by the courts to be strongly biased in favor of the insurance company paying Long-Term Disability (LTD) benefits to an individual.
Congress approved ERISA to protect employees’ pensions but, in doing so, unwittingly gave disability insurance companies a free pass to play the game on an unlevel field.
Mental disability lawyers in Michigan give disabled individuals the advantage they need to get the benefits they deserve. If you have a loved one who has been diagnosed with a mental disorder or disability that prevents them from working but has had their benefits denied, you need to call an experienced attorney with a winning track record.
Challenging Long-Term Disability Claim Denial
The practice of denying insurance benefits has been challenged by lawsuits against insurance giant UnumProvident (Unum). The lawsuits charge that the insurance carrier devised a scheme to illegally deny or terminate the long-term disability claims of thousands of people in violation of ERISA. The lawsuits charge that Unum cut costs by terminating claims by:
- Providing financial incentives to in-house physicians who would rubber-stamp previously made business decisions.
- Authorizing more senior in-house doctors to change the written reports of other “uncooperative” in-house doctors to justify a claim denial or termination.
- Stopping payments to policyholders without any explanation given for termination.
In recent settlements, Unum has agreed to reconsider some 200,000 denied disability claims. Other insurance companies are also engaged in the same kind of deceptive practices around the country.
Large lawsuits always start with just a handful of cases with plaintiffs willing to stand up for justice. If you suspect your disability case has been unfairly denied, your first call should be to an experienced attorney at our law firm who can walk you through your options to file a lawsuit.
A Clear Pattern of Abuse by Disability Insurers
One study of 576 lawsuits filed in federal court against the 7 largest disability insurers – MetLife, Unum, Prudential Financial Inc., CIGNA Corporation, Standard Insurance Co. and Aetna Inc. – found that insurance companies:
- Regularly deny or terminate benefits to individuals even after they are determined to be disabled by the federal government and approved for Social Security Disability payments.
- Hire contract doctors who routinely reject the opinion of the treating physicians without ever having seen the patients.
- Provide incentives to employees to deny and terminate claims, typing performance evaluations to meeting money-saving goals.
- Force plaintiffs to wait two years and eight months on average from the time they are disabled to the time their cases are resolved.
- Face no peril for bad faith denials or terminations of claims because federal law does not allow for any damages.
Many of the denials or terminations involve long-lasting illnesses that are hard to prove, such as chronic pain, mental illness, closed head injuries, or fibromyalgia. But some claims include heart disease, blindness, migraines, or cancer – conditions which are easier to establish.
Government Agencies Rush to Deny Claims
The rush to denial by insurance companies also is a practice followed for government benefits such as Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). The Social Security Administration denies a huge number of its initial disability claims, but many of those who appeal eventually win. Short-term disabilities in Michigan sometimes run up against the same problem when applying for benefits locally.
Even if you’re sure you should qualify for Social Security Disability benefits, the deck is stacked against disability claimants. An applicant living in Michigan who is denied LTD, workers compensation, SSDI or SSI benefits needs an attorney from Michigan because of how Michigan laws impact these areas.
The permanently injured person soon learns that the only ones looking after their best interests are themselves and their attorney. An attorney with many years of experience specializing in disability cases can help you manage the appeal process and receive benefits quickly.
You need to make sure you have the money to provide for yourself or a family member living with a disability or mental health issues. If your insurance company or government is denying you disability benefits, you can’t afford to wait for them to change their minds.
The law firm of Cochran, Kroll & Associates, P.C. is experienced in dealing with disability cases related to mental conditions, mental impairment, and other invisible illnesses. We can help you prove your disability case with medical records and expert witnesses, even if your initial claim has already been rejected.
We are proud to be leading disability attorneys in Michigan, where the complex laws surrounding injuries and disabilities make winning justice more of a challenge. Call us at (866) 868-3779 for a free consultation and to learn more about how we can fight for you.
Michigan lawyer champions your right to receive long term disability
Victims who are denied disability should promptly contact an attorney in order to obtain the disability benefits they are entitled to and should be receiving. There are time limits involved in appealing denial of benefits. If you wait too long, justice will be denied you by default. Don’t let that happen.
If you have been denied disability benefits or were approved for benefits and then had them taken away, let Cochran, Kroll & Associates fight for your rights. There is no obligation for case evaluation and no fee is charged unless a recovery is made.
The Law Offices of Cochran, Kroll & Associates, P.C. is dedicated to representing individuals and families who have suffered catastrophic losses as a result of injuries, disabilities and death. The firm does not represent insurance companies or corporations but instead bases its practice upon representing individuals and families.