Napa CA Disability Appeals

About Disability Appeals

All we do are Social Security Disability law matters and Employee Retirement Income Security Act (ERISA) disability claims.

Whether your claim is with the Social Security Administration or with a private disability insurance company, you should not simply accept their refusal to acknowledge your disability. Unfortunately, half the people who are denied disability benefits lack the emotional strength, physical energy or supportive help to persist with their claim. Claimants need to recognize that a denial of a legitimate claim does not mean that your situation is hopeless. With knowledgeable representation you can dramatically change the odds in your favor.

About Disability Benefits

Social Security has two programs that provide assistance to people with disabilities: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). The SSDI program pays benefits to you and qualifying family members if you have worked and have paid Social Security taxes on your earnings. The Supplemental Security Income (SSI) program pays benefits to adults and children with disabilities who have limited income.

These two programs are different, but require the same medical documentation. Monthly benefits are paid if you have a documented medical condition that is terminal or is expected to last at least one year, providing you meet the non-medical requirements.

There is a lengthy, detailed disability benefits application process for those needing to apply for disability benefits. Once you have applied and submitted your application, the Social Security Administration (SSA) will review the application. You will be contacted if they have questions or need further documentation. SSA will either approve or deny your application. If it is denied, you have 60 days to submit an appeal application.

Social Security Disability and SSI Claims

The Social Security disability benefits system is perhaps the most confusing of all of the federal bureaucracies. The statistics are not good.
About 3,000,000 people apply for Social Security Disability Insurance or for SSI benefits a year. Over 70% are turned down. When SSA
denies meritorious claims, they do not provide adequate explanations of their action and do not give any guidance about how the applicant
can change the result on appeal. As a result, fewer than half of the applicants who receive these unfavorable decisions decide to appeal.
If an applicant persists through SSA’s “reconsideration” appeal and to a hearing, about 50% of those who have a hearing will eventually
get a favorable decision and receive the benefits for which they have paid. Having a knowledgeable representative increases these odds
dramatically.

Social Security/SSI applicants are not required to have an attorney represent them. However, the statistics against unrepresented applicants
are quite high because of the complexity of the application process. Unrepresented individuals are generally unaware of SSA’s definition
of disability, SSA’s process for reviewing disability claims, or the various approaches to establishing that the applicant’s impairments meet
SSA’s disability requirements. These applicants don’t have access to the court decisions, laws, regulations, and rules that SSA’s staff and
administrative law judges are supposed to comply with when they make decisions. The importance of complete and current medical records
pertaining to the disabling conditions is not understood. They do not have the experience to obtain useful supportive statements from
treating doctors. While doctors often are quite willing to help by providing a brief statement about a patient’s disability, these statements
have to be crafted in a way that increases the chances that Social Security will adopt the doctor’s opinion. This means that key words and
phrases addressing SSA’s requirements must be included. An experienced representative is aware of these requirements and more.

Don’t Wait to Ask For Help. Reach Out Today!

Often, people wait until after they are denied benefits to contact us. Their claims might be legitimate, but are denied due to incomplete medical and vocational information, inexpertly completed applications, or wrongheaded conclusions by their medical consultants. You can avoid these problems by reaching out to us before you file a claim.

We have over 40 years of experience with Social Security claims and private disability appeals. Let our expert team of LTD lawyers represent you, whether it’s preparing all the paperwork necessary to file your application or starting an appeal. We know what documentation is required and have experience dealing with physicians to ensure that medical records submitted to SSA or private insurers are complete. We will handle your claim personally and with compassion.

Disability Appeals Experts

The social security disability attorneys at Linden and Cottrell Law are well-versed in the laws concerning Social Security Disability Insurance (SSDI), Social Security Insurance (SSI), and Employee Retirement Income Security Act (ERISA) disability claims. Your disability claim is critical to you and to us. When we serve as your representative, you can devote your energy to taking care of yourself. We will handle your claim personally. Our professional legal team will advocate for you throughout the process of developing the strongest possible case to present to the SSA. We have the knowledge, expertise, and experience necessary to increase your chance of getting benefits. Your job is to take care of yourself and your health. Leave the stress of dealing with Social Security or your private long term disability benefits insurer to us. While we cannot guarantee a favorable result, between us, we have over 40 years of experience with matters of disability law.

E.R.I.S.A. Claims

You and your employer may have paid for disability insurance benefits that are supposed to provide you with economic security if you
become disabled during the time you are employed. Unfortunately, while the insurance companies that issue these policies like to collect the premiums, they are not happy about paying legitimate claims.

An insurance policy is a contract. Enforcement of your rights requires understanding of the contract governing your policy – including the definition of disability, applicable deadlines for submitting claims and supporting evidence, and appeals procedures.

Too often, private insurers base decisions on incomplete medical information, relying on opinions from doctors in their employ who briefly review your application and records and then dismiss the evidence of your disabling impairment.

Many ERISA claims end up in court because of the insurance company’s stubbornness. It is important to you to be aware of the time within which claims, appeals, and (if necessary) lawsuits against the insurer must be filed. A missed deadline will be crucial. Equally important is the need to present all available medical evidence, treating physician opinion, and other relevant information to the insurance company while it is considering your claim. Failure to do this can result in the evidence not being considered by the court. Judges are limited to deciding whether the insurer made a proper decision given the evidence it had to review. The burden is on the applicant to be certain that the insurance company has all of the medical evidence.

On ERISA claims we work with applicants to improve the chances of a favorable decision without the need to sue the insurance company – and to increase the chances that if your claim is denied by the company after all internal appeals are exhausted, that a court has before it sufficient evidence to decide that the insurer failed to issue a reasonable decision.

Your job is to take care of yourself – ours is to deal with the insurer. Those large insurance company buildings and the generous salaries are paid for with policyholders’ premiums. The company would much rather collect your payments than to pay you. They have a large staff dedicated to denying ERISA claims. You should have competent help on your side.

We’ve Helped Many Others Just Like You

Chuck (Charles Cottrell) has been a great lawyer for me in my persuit of getting SSD benefits since becoming disabled in 2001 with pancreatitis. Which I almost died from. I tried on my own for several years to get SSD and was always denied. Have had to go to court recently and will know in 2 months if approved or denied. Chuck was good at preparing me for court and said I did a great job. Now it’s just a waiting game. Thank you Chuck for all your help so far.