Disability Insurance Denial in North Carolina
Insurance companies may wrongfully deny legitimate disability claims, leaving many victims feeling helpless. However, it’s important to remember that you have the right to appeal your insurance company’s decision.
Over 60% of disability claims are initially denied, according to the U.S. Social Security Administration (SSA).
Working with an experienced disability attorney in North Carolina can help level the playing field between you and your insurance company.
“After a challenging legal battle, Sokolove Law achieved a favorable outcome, and I finally received the benefits I had paid for. I can’t express enough gratitude to Sokolove Law for being my ally in the fight.”
– Illinois Truck Driver with a Denied LTD Claim
Our team can inform you of your rights, guide you through the appeals process, and fight for you in court if you have a case. Find out more about the types of denied disability claims we can help with below.
North Carolina Long-Term Disability Insurance Denial
Long-term disability insurance in North Carolina provides workers with compensation when they are too injured or sick to complete tasks required at their job.
Unfortunately, many long-term disability insurance providers are known for:
- Denying valid claims in order to protect their profits
- Creating a confusing claims process to encourage policyholders to abandon their claim or make errors
- Intentionally prolonging their decisions since appeals can’t be filed without a denial letter
If your claim was wrongly denied, it’s important to act fast, so you don’t miss your chance to file an appeal.
Get a free case review now to see if our North Carolina long-term disability attorneys can fight for the benefits you’re owed.
Social Security Disability in North Carolina
Many employees contribute to the government’s Social Security Disability Insurance (SSDI) program with every paycheck.
While these funds are set aside to help employees who have been unable to work for over 12 months due to a medical condition, the Social Security Administration (SSA) may wrongfully deny your claim.
If you were denied SSD benefits, a social security disability attorney in North Carolina can handle the complex paperwork required to appeal your denial. Let us help you secure the benefits you deserve from the SSA.
Veterans Disability Denial in NC
Benefits for disabled veterans are offered through the U.S. Department of Veterans Affairs (VA).
To be eligible for these benefits, you must have:
- A service-related disability
- Been dishonorably discharged
If you served in the U.S. Armed Forces and were later denied military disability benefits, a VA disability attorney in North Carolina may be able to help you file an appeal.
Remember, denials aren’t the end of the claims process. We may be able to help you appeal your insurer’s decision and secure benefits on your behalf.
How a North Carolina Disability Lawyer Can Help
Insurance companies often have teams of legal professionals and billions of dollars at their disposal. By working with our denied disability lawyers in North Carolina, we can even the playing field and help you fight for the compensation you deserve.
At Sokolove Law, our team will handle every step of the appeal process for you, so you can focus on your health. Our goal is to minimize the disruptions in your life and maximize the compensation you may receive.
1. Contact Sokolove Law After an LTD Claim Denial
If your long-term disability claim is denied, a North Carolina bad faith insurance lawyer can help you understand why and develop a thorough appeal against the company’s decision.
At Sokolove Law, we’ve recovered hundreds of millions of dollars for clients facing denied disability claims. We know the ins and outs of these laws and the tactics insurance companies use to protect their profits.
Get a free, no-obligation case review now to see if we can help you fight back against your insurer’s denial.
2. We’ll Gather Evidence for Your Claim
Our team will determine why your insurance provider denied your claim and what additional information may be needed to change their decision.
To help strengthen your appeal, your legal team may:
- Get testimony from medical experts
- Gather statements from people who can assess how your impairment impacts your ability to work
- Collect additional records to prove your injury
- Identify and fix any administrative errors or technicalities set in place by the insurance company
We’ll use this evidence to present a strong case on your behalf and show that the insurance company wrongly denied your claim.
3. We’ll File Your LTD Appeal
Long-term disability laws in North Carolina allow victims to appeal a denial from their insurance companies. In some instances, you may even be able to file a second appeal if your first was denied.
Our North Carolina long-term disability attorneys can create a strong appeal on your behalf and file it before any deadlines. If you don’t file your appeal within these deadlines, you won’t be able to pursue the benefits you may be entitled to.
4. You Get Paid or We’ll Fight in Court
If your appeal is successful, your insurance company will begin paying out your disability benefits. Depending on your policy, you may be able to receive back pay for any delays in the claims process as well.
If your appeal is unsuccessful, our North Carolina denied disability attorneys may be able to file a lawsuit on your behalf and fight for your benefits in court.
Call (800) 995-1212 now to see if we can help you get the benefits you deserve.
Our Past North Carolina Long-Term Disability Denial Settlements
At Sokolove Law, we’ve recovered over $131 Million for clients who were wrongfully denied long-term disability benefits by their insurance providers — including many clients in North Carolina.
Some of our past long-term disability denial settlements include:
- $1.36 Million to a client with fibromyalgia and chronic fatigue syndrome
- $1.15 Million for a woman with a denied disability claim
- $450,000 to a Charlotte client who was denied disability benefits
- $395,000 for a man facing an unfair disability denial
- $110,000 to a woman with a denied Unum disability claim
- $246,000 for a Mooresville man facing a disability denial
- $143,000 to a woman with a denied disability claim
- $160,000 for a Currituck man whose Cigna disability claim was denied
- $400,000 to a long-term disability insurance denial case
- $800,000 for a denied Unum long-term disability claim
While there’s never a guarantee of success, long-term disability settlements can help individuals and families pay for medical bills, daily living expenses, and more.
This compensation often serves as much-needed financial relief for those who have been unable to work.
Long-Term Disability Insurance Providers in North Carolina
When insurance companies intentionally refuse legitimate claims filed by their policyholders, they are considered to be acting in bad faith.
Many disability insurance carriers across the country have been fined millions of dollars for wrongfully denying claims.
Insurance companies known for long-term disability denial include:
This list is not exhaustive. If your long-term disability insurance claim was denied, but your insurer isn't listed above, contact Sokolove Law. We can help you determine your eligibility to appeal — for free.
“Sokolove Law stepped in to save the day. They treated me with respect and understanding, like a person going through a tough time, not just another case. Their team worked tirelessly to build a strong case on my behalf, fighting tooth and nail against the insurance company's denial.”
– Engineer in Washington D.C. with a Denied Disability Claim
Let Our North Carolina Disability Lawyers Fight For You
At Sokolove Law, our North Carolina disability lawyers have the resources and experience needed to help you appeal a denied long-term disability claim.
We’ve recovered over $131 Million in disability compensation for families nationwide — and we may be able to help you too.
There are no hourly fees or out-of-pocket costs to work with our team. We only get paid if your case results in compensation.
Call (800) 995-1212 now or fill out our contact form to see if you can get help filing an appeal and standing up to your insurance provider.
Our North Carolina Office Location
321 North Front Street, Suite 4
Wilmington, NC 28401
Long-Term Disability Lawyer in North Carolina FAQs
How do I find the best disability lawyers in North Carolina?
To find the best North Carolina disability lawyer for your case, be sure to look for someone who can offer:
- A proven track record of results
- Decades of experience
- Access to key resources
- No financial risks
At Sokolove Law, our North Carolina long-term disability lawyers can offer you all of these benefits and more. We can handle your denied claim regardless of where you’re located in the state.
Contact us now to see if we can fight for compensation on your behalf.
How much does a denied disability insurance lawyer in North Carolina cost?
At Sokolove Law, there are no hourly fees or out-of-pocket costs to work with our North Carolina disability insurance lawyers.
We work on a contingency-fee basis, which means we only get paid if we successfully secure compensation for you.
Call (800) 995-1212 now to get started with a free, no-obligation case review.
What is considered a disability in North Carolina?
In North Carolina, a disability is considered any injury or illness that prevents someone from completing important tasks, like those required at a job.
Medical conditions that qualify for long-term disability in North Carolina include:
- Anxiety
- Arthritis
- Bipolar disorder
- Cancer
- Carpal tunnel syndrome
- Chronic fatigue syndrome (CFS)
- Crohn’s disease
- Degenerative disc disease
- Depression
- Diabetes
- Epilepsy
- Fibromyalgia
- Heart disease
- Herniated disc
- HIV/AIDS
- Lupus
- Multiple sclerosis (MS)
- Post-traumatic stress disorder (PTSD)
- Spine disorders
- Stroke
This list is not exhaustive, and qualifying medical conditions can vary from policy to policy.
Does ERISA apply to long-term disability?
Yes. In some instances. If your disability insurance is provided by a private-sector employer, the Employee Retirement Income Security Act of 1974 (ERISA) may apply to your LTD claim.
ERISA regulates different aspects of long-term disability claims, including the:
- Requirements to file a claim and receive benefits
- Timeline for a decision on your benefits
- Denial process and your rights to appeal or sue
A North Carolina ERISA disability lawyer can help you understand the claims and appeals process, as well as your rights under ERISA.
Fill out our contact form now to find out if we can help you seek justice.
How do you qualify for long-term disability in North Carolina?
To qualify for long-term disability in North Carolina, your medical condition must:
- Meet criteria outlined by the Social Security Administration (SSA) or your insurance company
- Limit your ability to work for a certain amount of time (usually 6 months to 1 year, depending on your policy)
If your claim was denied, we can help determine your eligibility to fight back — for free.
Call (800) 995-1212 now to get started.
How much do you get for long-term disability in North Carolina?
North Carolina long-term disability plans usually pay out a percentage of your monthly salary until a certain age or until you’re able to work again.
For example, those employed by the state of North Carolina may be eligible for over 66% of their base salary up to $12,500 a month.
Contact Sokolove Law now to see if our disability lawyers in North Carolina can fight to maximize your potential compensation.
Sokolove Law Affiliations and Recognition
Our Professional Affiliations
- American Association of Justice
- North Carolina State Bar Association
Recognition
- National Trial Lawyers - Top 100 Trial Lawyers
- Top 10 Asbestos & Mesothelioma Trial Lawyers
- U.S. News & World Report - 2022 Best Law Firms / Best Lawyers
- Martindale-Hubbell - 2022 Peer-Reviewed for Ethical Standards and Legal Ability
Sokolove Law Local Reviews
- Better Business Bureau® (BBB): A+ Rating since 2013
- Average Google Rating: 4.6/5
Local North Carolina Areas We Serve
While Sokolove Law helps people throughout the country, we provide our services to people across the entire state of North Carolina as well.
Sokolove Law serves locations across North Carolina, including:
- Apex
- Asheboro
- Asheville
- Burlington
- Carrboro
- Cary
- Chapel Hill
- Charlotte
- Clayton
- Clemmons
- Concord
- Cornelius
- Durham
- Fayetteville
- Fuquay-Varina
- Garner
- Gastonia
- Goldsboro
- Greensboro
- Greenville
- Hickory
- High Point
- Holly Springs
- Huntersville
- Indian Trail
- Jacksonville
- Kannapolis
- Kernersville
- Kinston
- Leland
- Lexington
- Lumberton
- Matthews
- Mint Hill
- Monroe
- Mooresville
- Morrisville
- New Bern
- Raleigh
- Rocky Mount
- Salisbury
- Sanford
- Shelby
- Statesville
- Thomasville
- Wake Forest
- Waxhaw
- Wilmington
- Wilson
- Winston-Salem
North Carolina Zip Codes We Serve
As a national law firm, Sokolove Law can help clients and their families wherever they may be in the U.S., including across the state of North Carolina.
Some of the zip codes we serve in North Carolina include:
- 27106
- 27107
- 27215
- 27265
- 27284
- 27360
- 27405
- 27406
- 27407
- 27410
- 27502
- 27513
- 27519
- 27520
- 27526
- 27529
- 27587
- 27603
- 27604
- 27606
- 27610
- 27615
- 27616
- 27703
- 27705
- 27707
- 27713
- 27834
- 27858
- 28025
- 28027
- 28078
- 28110
- 28117
- 28173
- 28205
- 28210
- 28212
- 28215
- 28216
- 28227
- 28269
- 28277
- 28314
- 28540
- 28546
- 28601
- 28645
- 28655
- 28806
Call (800) 995-1212 now for a free legal consultation.
