We will mail you a hard copy of these two books after we have received your denial letter.
Robbery Without a Gun
Employer-provided disability insurance typically falls under the Employee Retirement Income Security Act of 1974 (also known as ERISA). ERISA disability insurance companies are notorious for denying claims hoping the claimant won't hire an attorney to help with their denial.
The insurance company (and even HR) may tell you “you can appeal without an attorney.”
True as a matter of fact, just like you can diagnose your knee injury by looking at YouTube videos and reading a blog. Federal judges, the ones who eventually decide disputed claims, say otherwise. This book takes you behind the insurance company’s denial letter to tell you what really goes on when you appeal your denial on your own (or hire an inexperienced ERISA long term disability attorney.)