If you’ve experienced an injury or illness that prevents you from working, you may be counting on your employer-provided disability insurance for financial support. But what happens if your claim is denied, delayed, or your benefits are cut off prematurely?
At Martin J. Sperry, P.A., a Fort Lauderdale-based law firm with decades of experience in disability insurance law, we help employees across Florida understand and enforce their rights under both short-term and long-term disability (STD/LTD) plans. Here’s what you need to know.
What Is Employer-Provided Disability Insurance?
Many employers offer group disability insurance as part of their employee benefits package. These plans are designed to provide income replacement if you are unable to work due to a qualifying medical condition.
There are two main types:
- Short-Term Disability (STD): Usually covers a portion of your salary for a few weeks or months.
- Long-Term Disability (LTD): Offers longer coverage, often extending for several years or until retirement age, depending on the policy.
Most of these plans are governed by a federal law known as ERISA - The Employee Retirement Income Security Act - which imposes specific requirements on how claims must be handled and appealed.
Common Issues with Disability Insurance Claims
Unfortunately, insurance companies often prioritize their bottom line, leading to unfair treatment of policyholders.
You may face:
- Denied claims with vague or insufficient explanations
- Delays in benefit payments
- Requests for unnecessary or repeated medical exams
- Termination of benefits despite ongoing disability
If your claim has been denied or delayed, or if your benefits were suddenly terminated, you have the right to appeal - and you don’t have to do it alone.
Know Your Legal Rights
Under ERISA and Florida law, you are entitled to:
- A clear explanation of why your claim was denied
- Access to your claim file
- An opportunity to appeal a denied claim, typically within 180 days
- Legal representation throughout the appeals process and in court, if necessary
It’s important to act quickly - ERISA appeals have strict deadlines, and missing them could jeopardize your claim.
How Martin J. Sperry, P.A. Can Help
With over 45 years of experience, Martin J. Sperry, P.A., is well-versed in navigating ERISA laws, medical evidence, and insurance company tactics.
Our firm is committed to:
- Carefully reviewing your insurance policy and claim history
- Preparing a strong, evidence-backed administrative appeal
- Representing you in court, if litigation becomes necessary
We’ve helped countless clients in Fort Lauderdale and throughout Florida secure the benefits they’re owed, and we’re here to help you too.
Schedule Your Free Consultation Today
If your employer’s disability insurance plan isn’t delivering on its promises, don’t wait. Contact Martin J. Sperry, P.A., today to speak with an experienced Fort Lauderdale disability attorney who will fight for your rights.
Call us today at 954-324-2340 to get started.