The Administrative Review

Dedicated to Social Security Disability

and Long Term Disability Claims

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Have you applied for Social Security Disability benefits
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The Administrative Review Explained

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A negative decision on your long-term disability insurance from your insurance carrier is not necessarily the last word. If your long-term disability insurance carrier has made a decision that you don't disagree with, you have the right to file an appeal. An appeal will initiate an administrative review process, which is an internal evaluation of your disability claim by your insurance company. Having a Maryland Social Security disability lawyer from our firm, The Bernstein Law Offices, during an administrative review could be extremely advantageous to the result of your case.

It is important to act quickly after your claim is denied, because there are usually deadlines for requesting an administrative review. Employee Retirement and Income Security Act (ERISA) also requires that insurance carriers provide you with certain information when a claim is denied.

Under ERISA, additional documentation that your insurance company is required to give you could include:

  • An explanation of the reasons your claim was denied
  • The process needed to apply for an administrative review
  • Additional information required to resubmit your claim

ERISA Disability Claims vs. Non-ERISA Disability Claims

If your policy is governed by ERISA, you are required to follow all of the administrative steps contained in your policy terms. If you are still denied your claims after completing all of the proper procedures, only then will you be allowed to pursue a lawsuit against your insurance carrier. If your long-term disability policy does not fall under ERISA, you will need to observe Maryland state laws regarding your claim.

When you file a lawsuit, the courts typically only review information presented in the claims file that you submitted to your insurance company. You are not allowed to bring in any additional documents. For this reason, having the proper evidence in your initial application is not only important, it is instrumental to the outcome of your claim. A competent and skilled lawyer can help you prepare a strong claim that can survive the administrative review process.

Your free legal consultation is just a phone call away! Call The Bernstein Law Offices today!

If you are feeling stressed about your disability claim, there is no reason not to talk to a lawyer from our firm as soon as possible. Our attorney can guide you through the administrative review process and oversee all the medical evidence required for your claim. We have successfully recovered millions of dollars for our clients. You can trust us, and our proven results. Initial case consultations are absolutely free of charge and obligation, so why wait?

Call The Bernstein Law Offices today to set up an appointment with a caring and knowledgeable lawyer.