Houston TX Guardian Disability Insurance Attorney
Guardian is a popular insurance provider in Houston and throughout the state of Texas. Whether you have Guardian insurance through an employee benefits plan or an individual disability policy, having the financial security in case you become disabled should be comforting. Unfortunately, many disabled Texas residents with a Guardian disability insurance plan have to endure extensive delays and denials.
Not having an income when you’re disabled and unable to work is extremely stressful and frustrating, which is why Houston Guardian disability insurance attorney William Herren can help. If you are disabled and unable to work, yet your Guardian disability insurance policy isn’t providing the benefits rightfully owed to you, call our Houston law firm today for a free consultation regarding your case.
Possible Reasons Why Your Claim was Denied
There are many reasons as to why your Guardian disability claim was delayed or denied. In some cases, there may be valid reasons for a claim denial. But in other cases, a denial may be wrongful and/or biased. Some of the most common reasons for a Guardian claim denial could include:
- Guardian hired a physician or doctor to review your medical records. The hired doctor produces a report saying that the claimant is not disabled.
- Guardian chose the doctors for your IME or functional capacity exam (FCE) to evaluate your restrictions and limitations in the workforce.
- Guardian hired a private investigator to follow you around and videotape you. The Guardian then uses this surveillance to show that you can get back to work.
- The definition of your disability changes from “own occupation” to “any occupation.” The Guardian hires a vocation expert to evaluate your ability to work.
In these examples, Guardian holds most of the control as they evaluate your disability and your ability to work. An experienced and competent attorney can provide you with the necessary legal representation at every stage of the claims process, from properly and completely filing the initial claim to appeal a denial to representing your interests in courts with a lawsuit.
Contact Herren Law for Full-Service Legal Representation
If your policy is under a group plan or an employer-sponsored plan, your rights are protected by ERISA. However, this also means that there are specific deadlines to file an appeal or to file a lawsuit after an ERISA appeal denial. For this reason, it is essential to contact a disability insurance attorney as soon as possible.
At Herren Law, we have evaluated hundreds of disability claims and represented Houston residents as they apply or appeal for their disability benefits. To speak with disability attorney William Herren, call our Houston law office today at (713) 682-8194. Free consultations are available.
