You've heard the horror stories about unfair long term disability claim denials. You've read in the newspapers about Attorney Generals across the country suing Unum Provident, the nation's largest long term disability insurance company, for rewarding employees for the most claim denials. Despite lawsuits and shows like "60 Minutes" and "Dateline NBC" exposing abuses at long term disability insurance companies, has anything really changed? Let's put it this way: our phone is still ringing off the hook every day with clients from around the United States who receive unjustifiable claim denials despite serous illness and injury.

Why? Insurance companies love to take your money in premiums but hate to pay claims. In order to make a profit, they must take in more premium money to invest than pay legitimate claims. In a profit making insurance company, shareholders come first, policyholders come second. It's that simple.

Whether you obtained your long term disability insurance privately or through your employer, be prepared for a fight if you must submit a claim. In our experience, unless your injury or illness is terminal, the long term disability insurance company will look for any opportunity to deny your claim. Even if you and your doctor think your disability is clearly disabling, the long term disability insurance company will have your claim reviewed by their "handpicked doctors" who never see it so clearly.

The key to winning long term disability claims is the strategic preparation of the initial application for benefits. You need to line up all your medical evidence and job descriptions prior to filing your claim, if possible. It is always more difficult to overturn an initial denial than to win on the first application.

The attorneys at Turley, Redmond & Rosasco, LLP have helped clients ranging from medical doctors to investment bankers to NFL football players to middle managers with their long term disability claims. When claims are denied, we can pursue internal administrative appeals, court action and/or lump sum settlement negotiations. Unlike some law firms, we do not want to hear from you only when you are denied. We would prefer to hear from you before you apply so we can plan a course of action. In fact, many of our clients consult with our office prior to leaving work.

No matter where you live in the United States, call the attorneys at Turley, Redmond & Rosasco, LLP toll free at 1-877-NY-DBLAW for your free consultation. You'll be glad you did.