Tennessee Disability Denial Lawyers
If you’re a Tennessee resident whose disability claim has been denied, you’re not alone. Insurance companies often reject valid claims, leaving you without the benefits you deserve. At Eric Buchanan & Associates, our experienced Tennessee disability denial lawyers are here to help you navigate the complex appeal process and fight for your rights. With decades of experience, we’ve helped thousands of Tennesseans secure the long-term disability (LTD) benefits they’re entitled to.
Why You Need a Tennessee Disability Denial Lawyer
When your disability claim is denied, the process to appeal can be overwhelming, especially if your claim is governed by the Employee Retirement Income Security Act (ERISA). ERISA is a federal law that regulates most employer-sponsored disability plans in Tennessee, imposing strict rules and deadlines. Without legal expertise, you risk missing critical deadlines or submitting incomplete evidence, which can jeopardize your case. Our Tennessee disability denial lawyers at Eric Buchanan & Associates know how to counter insurance company tactics and build a strong appeal to maximize your chances of success.
Here’s why hiring a skilled attorney matters:
- Navigating ERISA Rules: ERISA claims have unique requirements, including tight appeal deadlines (often 180 days) and limited opportunities to submit new evidence. We ensure your appeal is filed on time with compelling medical and vocational evidence.
- Challenging Insurance Companies: Insurers may deny claims by misinterpreting policy terms, downplaying your disability, or claiming you’re only “partially disabled.” Our lawyers know how to hold these companies accountable.
- Preparing for Federal Court: If your appeal is denied, ERISA cases are heard in federal court, where judges review only the appeal evidence. We build a robust case early to withstand the “arbitrary and capricious” standard.
Common Reasons for Disability Claim Denials in Tennessee
Insurance companies use a variety of tactics to deny or underpay disability claims. Some common reasons we see in Tennessee include:
- Insufficient Medical Evidence: Insurers may claim your medical records don’t prove you’re disabled.
- Policy Misinterpretation: Companies may misapply policy terms to exclude your condition.
- Surveillance or Social Media Misuse: Insurers may misinterpret your activities or online posts to argue you’re not disabled.
- “Pre-existing Condition” Claims: Insurers may wrongly argue your disability stems from a pre-existing condition not covered by the policy.
Our Tennessee disability denial lawyers are familiar with these strategies and work diligently to counter them, gathering strong evidence and crafting persuasive appeals to overturn wrongful denials.
How Our Tennessee Disability Denial Lawyers Can Help
At Eric Buchanan & Associates, we take the burden off your shoulders so you can focus on your health. Based in Chattanooga, our nationally recognized attorneys specialize in ERISA and disability law, offering:
- Free Consultations: We’ll review your case at no cost and explain your options.
- Contingency-Based Fees: You pay nothing unless we win your case.
- Comprehensive Case Management: From gathering medical records to coordinating with your doctors and filing appeals, we handle every detail.
- Proven Results: We’ve successfully fought major insurance companies across Tennessee, securing benefits for clients with wrongful denials.
Whether you’re in Nashville, Memphis, Knoxville, or anywhere in Tennessee, our team is ready to fight for you.
Tips for Appealing a Denied Disability Claim in Tennessee
Appealing a denied disability claim can be daunting, but these tips can improve your chances of success:
- Act Quickly: Contact a Tennessee disability denial lawyer immediately to meet ERISA’s strict 180-day appeal deadline.
- Strengthen Your Evidence: Work with your doctor to provide detailed medical records and expert opinions showing how your disability prevents you from working.
- Beware of Social Media: Avoid posting photos or comments that insurers could misinterpret as evidence you’re not disabled.
- Don’t Go It Alone: Insurance companies have legal teams working against you. Hire an experienced ERISA attorney to level the playing field.
Contact Our Tennessee Disability Denial Lawyers Today
Don’t let an insurance company take advantage of you after a wrongful disability claim denial. At Eric Buchanan & Associates, our Tennessee disability denial lawyers are dedicated to helping you secure the benefits you’re entitled to. With a proven track record and a client-focused approach, we’ll guide you through the ERISA appeal process with compassion and expertise.
Call us today at (877) 634-2506 or visit www.buchanandisability.com to schedule your free consultation. Let us fight for the disability benefits you deserve.