Our ERISA long term disability attorney in Boston often helps people whose claims for long term disability from Mass Mutual have been denied. Mass Mutual, which is the shortened name for Massachusetts Mutual Life Insurance Company, reaps a sizeable profit on its short term and long term disability insurance products, including those offered via group insurance plans under ERISA. When you have been disabled and your disability leaves you either temporarily or permanently unable to return to work, these policies are supposed to kick in and provide you with monthly payments. The company, however, often tries to deny claims in order to garner higher profit margins.
What Mass Mutual Commonly Does with Disability Claims
Mass Mutual, one of the biggest insurance companies in the world, generates an average of $25 billion in annual revenue. This wealthy and profitable company tries to minimize the amounts they are forced to pay out in order to be even more profitable. They often try to deny your valid claim for disability and will fight to try to avoid paying you. They bank on the idea that you will give up upon receiving your denial letter, but that is just the first step. An ERISA long term disability attorney in Boston can help you fight against the denial in a drive to recover the income you have lost due to your disability.
The Time-Sensitive Nature of ERISA Claims
When you have received a denial letter from Mass Mutual, it is highly important that you contact an ERISA long term disability attorney in Boston for help as soon as possible. There are strict deadlines for you to file an appeal of your ERISA denial from the company. The statutory deadline of 180 days runs from the date you received the letter. If you do not file an appeal of it within that time frame, you will forever lose your right to do so. An attorney can file an administrative appeal on your behalf, taking the decision-making power out of the hands of Mass Mutual and instead placing it in the hands of an administrative hearing officer.
Contact an ERISA Long Term Disability Attorney in Boston
Large insurance companies like Mass Mutual do not care about the stress they cause when they issue denial letters. They care less about their customers and more about their bottom line. A huge problem exists when a large company looks at people who purchase their products as numbers instead of as real, suffering people. People may be left both unable to work and without the ability to pay medical co-pays, meaning they are unable to get the medical treatment they require. They may also be physically and mentally unable to return to work, thus leaving them feeling trapped and hopeless. The insurance companies are not focused on treating people who have become disabled with the empathy that they deserve. Instead, they are simply driven to try to maximize their profits. When your long term or short term disability claim has been denied by Mass Mutual, you will likely need legal help to appeal the denial. To contact an ERISA long term disability attorney in Boston, call Jonathan M. Feigenbaum, Esquire at (617) 357-9700.