Long Term Disability Attorney in Houston TX

Aetna Disability Claim Denials

Aetna is a large, publicly traded insurance company that sells group disability coverage to employers; these are usually policies governed by the Employee Retirement Income Security Act of 1974 (ERISA). Despite Aetna’s long history and renown, the company is also known for wrongfully denying disabled individuals and workers their right to disability benefits. In many cases, these benefits are a lifeline for disabled people and their families, and if you believe that Aetna has wrongfully denied your claim, delayed it, or outright terminated it, you need to speak to a Houston-based Aetna disability claim denial attorney as soon as possible.

Aetna Disability Insurance Claim Denial | Houston Atty Herren Law

Whether you are applying to Aetna for benefits, you are waiting to hear the decision on your claim, or you are appealing a claim denial, we at Herren Law have the experience and proven strategies to help. Call us today for a free consultation and we’ll get started on your case immediately. Aetna disability claims are complicated affairs, and it is essential to work quickly.

Reasons for an Aetna Disability Claim Denial

There are many reasons as to why Aetna may deny your claim. However, it is important to note that Aetna may deny a claim for completely legitimate reasons. An attorney experienced with Aetna denials will be crucial in determining whether or not the denial was in good faith. If your claim has been denied, here are few reasons as to why:

  • You failed to disclose a pre-existing condition
  • The medical examinations were not considered sufficient
  • Problems with paperwork and documentation
  • Filed claim was not for a “covered” disability

Appealing the Denial

Perhaps the first and most important thing to know once Aetna denied your disability claim is that you only have 180 days, under ERISA, to appeal that denial. Aetna should let you know the appeal date in the denial letter. Furthermore, once you know about the denial, you should ask, in writing, for the claim file.

The claim file has all the materials (medical records, Aetna’s internal memos and emails, etc) that Aetna used to determine whether you were eligible or not for disability benefits. Double check the file to make sure that all the paperwork and materials you provided are there.

You can appeal a denied claim by either calling Aetna’s Member Services with the phone number on your ID card, or you can submit a request in writing with the Member Complaint and Appeal Form. The time it takes to receive a response from Aetna depends on the urgency of the appeal, the levels of appeals, and Texas laws.

How Herren Law Can Help

As social security disability and long-term disability lawyers, we at Herren Law have helped numerous individuals successfully appeal an Aetna disability claim denial. We know that the appeal process can be long, complicated, and substantially frustrating. Every day that you’re not receiving your disability benefits is problematic, both in terms of justice and you and your family’s financial security. One of the first things we at Herren Law will do is help recover your claim file and scrutinize every aspect. If necessary, we will talk to doctors and physicians mentioned in the claim file. Some other ways we can help include:

  • Filing the claim appeal within the time limit
  • Filing an ERISA lawsuit in federal courts or a breach of contract lawsuit in state courts
  • Complete the appeal paperwork
  • Prepare the case for trial

Contact the Claim Denial Attorneys at Herren Law Today

Going against a large company like Aetna is an ambitious affair, but when you’re disabled and rightfully due disability benefits, you need a team of disability lawyers prepared to devote extensive resources and legal expertise to the case. We at Herren Law will leave no stones unturned and diligently evaluate every aspect of your claim, Aetna’s decision process, and the appeal. Because of the time limit to file an appeal, the first step you should take is to contact us at Herren Law for a free consultation. We’ll go through your case and determine the next steps. You can call our Houston office at (713) 682-8194.