The Guardian describes its long-term disability coverage as “vital protection that helps ensure an illness or injury won’t permanently damage your financial confidence.”
This protection only protects you if you get the promised benefits, though. And, sometimes, that tragically does not occur. In fact, many policyholders covered by Guardian Life face challenges in getting claims approved, and those challenges can be very costly.
If you need help when The Guardian has refused to pay your claim, contact Julie A. Rice Law today to talk with a Guardian long-term disability denials lawyer who has stood up to the insurer before with great success — and who knows the law inside and out.
How Julie A. Rice Law can help with Guardian long-term disability denials
At Julie A. Rice Law, our legal team has represented many clients who have Guardian long-term disability coverage and whose claims have been denied.
In most cases, these claims are covered by ERISA since Guardian provides long-term disability coverage through employers as a workplace benefit. The good news is, our team knows this complex law inside and out.
The process of protecting your rights and fighting a denial can be complicated as The Guardian uses many techniques to try to deny legitimate claims, including delaying the application process, asking for repeated medical details, and narrowly defining the disabled conditions that entitle you to benefits.
Julie A. Rice will help you at every step once you have received a denial letter, so you can stand up to the Guardian and get your much-needed benefits. Some of the services we offer include:
- Reviewing your denial letter to determine the reason why your claim was rejected
- Submitting internal appeals by the required date to meet ERISA internal appeals requirements
- Gathering the necessary evidence to present to the insurer to strengthen your claim and preserve your rights, as you cannot present additional evidence to the court that you did not present to The Guardian if your case ends up in federal court
- Pursuing an ERISA claim in federal court when internal appeals are not successful
These are just some of the ways in which we help fight for you. We have successfully represented many clients who were treated unfairly when they had Guardian long-term disability coverage, and the insurer knows to take us seriously due to our legal knowledge and committed representation.
Fighting a Guardian long-term disability denial can make all the difference in your finances
The Guardian has strong incentives to pay as few claims as possible to protect its profits, and it is up to you to fight for your rights and make sure you get the vital income that long-term disability benefits are supposed to provide.
At the Law Office of Julie A. Rice, we are familiar with the tricks The Guardian uses to try to avoid paying the full amount of a long-term disability claim, and we won’t let the insurer get away with damaging your finances.
From the time you submit your application until you’ve exhausted all avenues to get the benefits you deserve, our Guardian long-term disability denial lawyers will be by your side. Give us a call today to learn more.