At Disability Insurance Law Group, our national claims attorneys know that Sedgwick is the largest provider of disability and absence management solutions in the U.S. According to the website, “following our acquisition of Direct Health Solutions (DHS) in Australia, Sedgwick is well-equipped to offer a combination of services covering any scenario where people are taking time away from work.”
This is important to our clients because disability insurance is designed to provide income if they cannot perform their work due to disability. Unfortunately, disability insurance policies and employee benefit plans are often challenging to pursue.
Sedgwick says, “Our clients count on us to support and improve the health and productivity of their workforce in a cost-effective, efficient, and compliant way. U.S. employers can manage compliance with complex federal and state regulations. Our team has extensive experience helping employers manage short- and long-term disability claims.”
For many U.S. workers, their employers offer disability benefits as part of their employment packages. This is especially true for most group policies governed by the Employee Retirement Income Security Act of 1974 (ERISA), many of which Sedgwick underwrites.
ERISA is a federal statute that provides stringent deadlines and guidelines for claimants and insurance companies to abide by in the processing of a claim, submission of an appeal, and, ultimately, the determination of eligibility for benefits under a long-term or short-term disability insurance policy.
ERISA creates an unequal claims process, placing strict obligations on individuals pursuing benefits that make maneuvering a claim difficult and frustrating for unaware claimants when they should focus on their recovery. For most, the process is mysterious and often confusing. What you do not know and what your insurance carrier will not tell you can be fatal to your claim.
That is why we are here. Our disability insurance attorneys represent Sedgwick policyholders nationwide — no matter where they live or work in the U.S. — with only their best interests and true success in mind so our clients can pursue the benefits they are entitled to from their employer-provided coverage or personal policies.
ERISA governs most employer-sponsored disability insurance plans in the United States, and navigating its complexities can be challenging.
Our national disability insurance attorneys can be instrumental in helping you with your ERISA claim in several ways, including:
We are well-versed in the intricacies of ERISA regulations and can help you understand your rights and the insurance company’s obligations under ERISA.
ERISA requires claimants to follow specific administrative procedures. We can ensure that you comply with these procedures and deadlines, helping preserve your appeal right. ERISA is a complex area of law, and insurance companies may take advantage of claimants unfamiliar with its intricacies. Our attorneys can protect your rights, ensuring you are treated fairly and by the law.
Our lawyers can assist you in preparing a comprehensive and well-documented initial disability insurance claim. This can increase the likelihood of your claim being approved immediately, avoiding unnecessary delays. We specialize in disability insurance claims and have 50 combined years of experience dealing with insurance companies. This insight can be valuable in understanding insurers’ common tactics and developing effective strategies to counter them.
If the insurance company offers a settlement, we can assess whether the offer is fair and in your best interest and continue negotiating to secure a more favorable settlement.
If your initial claim is denied, we can guide you through the appeals process and help you gather additional evidence, medical records, and other necessary documentation to strengthen your case.
Our Disability Insurance Law Group nationwide claims attorneys can represent you in negotiations with the insurance company and, if necessary, during administrative hearings or court proceedings. Our legal expertise can be crucial in presenting a compelling case on your behalf. If all administrative remedies are exhausted and your claim is still denied, our attorneys can help you file a lawsuit in federal court. Our disability insurance claims attorneys know relevant laws and court decisions and can leverage our expertise to build a strong case and challenge unfair denials based on legal grounds.
Whether you are considering applying for benefits, are waiting for a claim’s decision, or have been denied, we can assist you with your Sedgwick disability claim anywhere in the country, starting with a free consultation.
We are fully dedicated to providing transparent legal services that allow us to pursue real results for real people who need our help – no matter where they live or work in the U.S.
If you are receiving resistance from Sedgwick for your U.S. disability claim, or if your claim has already been denied, contact our dedicated disability insurance attorneys nationwide at 954-989-9000 or online to schedule a free, confidential case assessment without delay.
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