Own Occupation Disability

Own Occupation Disability Claims

When you own a business or have a profession that requires you to fund your own occupation disability program, the process of making a claim for benefits can carry challenges that individuals filing a claim under an employer funded plan never face. In many cases, your insurance carrier may deny your claim simply because they do not want to pay you, and they feel that you do not have the leverage of an individual enrolled in a group plan may have.

At the law firm of Burke Harvey, LLC, we understand the frustration associated with own occupation claims denials; you’ve faithfully paid your premiums only to be turned away when you need the benefits you are entitled to. With more than 50 years of combined experience, our self-funded long term disability claims attorneys have the knowledge needed to help you understand the benefits you are entitled to, your rights as a policy holder and your options for pursuing your benefits.

Evening the Playing Field during Your Search for Benefits

Without an employer backing you during your benefits claim process, it can be incredibly difficult to obtain the financial support you’ve paid for and are entitled to. Fortunately, you do not have to face your claim alone; our staff has the skill and insight needed to guide you through every step involved in filing an initial claim or appealing a claim that has already been denied.

More than legal advice, we offer you a distinct advantage during your quest for long term disability benefits. With us in your corner, your insurance carrier will likely take a more detailed look at your claim before making a decision. Additionally, if history is any indicator, many insurers would rather pay a benefit claim than go through the expense of defending against an ERISA lawsuit. In short, our mere presence in your camp will make the insurance company take notice, and will prevent them from denying your claim simply because they don’t want to pay.

Call our LTD Attorneys to Discuss Your Own Occupation Claim

When you have been injured or are unable to work due to a disability, facing a long term disability claim alone can be a frightening proposition, especially when you do not have an employer or human resources department to turn to for advice. Having a competent LTD claims attorney in your corner can be an effective way to cut through the red tape standing between you and the benefits you so desperately need.

Our staff offers our representation on a contingent fee basis, meaning that we do not charge any legal fees unless we are successful in helping you obtain the benefits you are entitled to. We also offer free consultations to give you the chance to discuss your case without obligation.

Contact our office online or call 850-433-9922 to schedule your free consultation with one of our experienced LTD claims lawyers today.