We Help You Navigate the Legal System
A long-term disability lawyer from Marcellino & Tyson can help you navigate your policies. Our attorneys know ERISA long-term disability law inside and out.
Disability insurance companies are not your friends. Their job includes keeping an eye on the bottom line. They understand the rules and can use those rules against you. ERISA has very complicated procedural rules that you need to follow in order to preserve your rights. For example, you must complete an appeal process with the insurance company. The appeal is crucial to the success of your disability claim. The insurance companies know you are going through a difficult time in your life, that you may not be at your best, and that you may not be prepared to fight the insurance company on your own. This is your policy; those are your benefits. Protect what’s yours. At Marcellino & Tyson, you can partner with an experienced long-term disability lawyer who will fight for your rights. They understand the intricacies of ERISA long-term disability law and can answer all sorts of questions, including things such as, “Is long-term disability taxable?” and “What does long-term disability cover?” If you’d like to learn more, then reach out to speak to a qualified long-term disability attorney.
Insurance companies purposely draft policies in confusing terms. Some insurance carriers use contractual loopholes to delay or deny claims. Don’t let the insurance company beat you down and most importantly don’t give up. Our ERISA disability lawyers can help with all Disability Claims and ERISA matters because we understand the unfair troubles that you are experiencing. Call (704) 919-1519 or fill out our online contact form in order to speak with one of our attorneys. We’re looking forward to hearing from you and helping you with filing for disability and with all ERISA-related issues.
ERISA long-term disability law is complex, so you may need the guidance of an experienced long-term disability lawyer to ensure that you get the benefits you deserve.
Long term disability insurance is supposed to protect your income and provide wage replacement for you and your family when you can no longer work. There are many different types of disability insurance policies. If you get your disability insurance coverage through work, those benefits are in a long-term disability (“LTD”) policy and are governed by ERISA. Long-term disability benefits usually provide you with a portion of your income when you are unable to work due to disability. If you have LTD insurance, you can often collect LTD benefits in addition to any Worker’s Compensation or Social Security disability benefits you are entitled to.
Some disability policies are Loss of License policies, and they provide a portion of wages if you lose your license to perform your job due to disability. People commonly purchase these policies in addition to LTD insurance for professions that require licenses, like doctors, pilots, drivers, and attorneys. You can also purchase individual disability insurance directly that covers just you. This type of policy is called individual disability insurance (“IDI” or “DI”). ERISA long-term disability law doesn’t govern this type of policy. State contract laws govern IDI or DI policies. A long-term disability lawyer from Marcellino & Tyson can help you navigate your policies.
Marcellino & Tyson, PLLC is based in Charlotte, NC, but we maintain co-counsel relationships with attorneys in South Carolina, Maryland, West Virginia, Virginia, Georgia, and in each state in which we assist disability/ERISA clients. If you are searching for a long-term disability lawyer, you can count on us to provide dependable guidance. Get help with your NC disability claim today.
Was your ERISA disability claim denied? The process of appealing that denial can be very complex. You shouldn’t deal with it on your own. At Marcellino & Tyson, you can find a long-term disability lawyer with the experiences and resources necessary to protect your entitlement to disability benefits.
Our lawyers have versatile and extensive experience interpreting ERISA long-term disability law, Department of Labor regulations, federal case law, and more.