What You Need To Know If Principal Financial Has Denied Your Claim
Insurance companies often “write their own rules,” and claimants who’ve been denied benefits are forced into a complex legal battle that even court judges find confusing. BenGlassLaw assists claimants who’ve been denied by Principal Financial, and our office even has a specific strategy for claims denied by this insurance company.
If your employer has provided your policy, your disability benefits likely fall under ERISA law. The Employee Retirement Income Security Act of 1974 (ERISA) is the rulebook for private insurances and pensions administered by employers. ERISA disability insurance policies follow different guidelines from Social Security Disability Claims (SSDI) claims, and the insurance company has a greater discretion to deny claims.
Few attorneys work with ERISA disability claims. If your disability insurance falls under ERISA, you should consult with an attorney with ERISA experience.
The BenGlassLaw Process For Princial Financial Disability Claims
BenGlassLaw has extensive experience dealing with life insurance companies, including Principal Financial, and has a specific process to do so. This “standard review” will occur for everyone who calls the BenGlassLaw office with a disability insurance claim:
- Free Denial Letter Review
You will receive a denial letter when Principal Financial terminates your benefits. The BenGlassLaw disability appeals team will review your denial letter for free and determine whether we can help you with your claim.
- One-on-One Consultation with Ben Glass
Before you decide to file a claim or appeal the denial on your own, we recommend that you request a one-on-one consultation with Ben Glass to ask any questions you may have regarding your Principal Financial insurance policy
- Detailed Claim File Review
The BenGlassLaw disability appeals team will research your claim file to understand why Principal Financial denied your claim and figure out how we can work with you to obtain a successful appeal.
- Personal Statement Interview
Like most insurance companies, Principal Financial sees its policyholders as numbers instead of individuals. A big part of the BenGlassLaw strategy is to sit down with you to record a personal statement to the insurance company.
- Independent Vocational Analysis
Insurance companies, including Principal Financial, usually will attempt to simplify your occupational duties in order to deny your claim. BenGlassLaw works with experts to review your job duties and help describe your duties in detail to the insurance company.
- Guidance For Your Doctors
Many insurance companies, including Principal Financial will consult with their own doctor to deny your claim. This doctor usually has never spoken with your primary doctor but will still decide whether you are disabled. BenGlassLaw offers guidance to your doctor on how to respond to independent examinations by the insurance company.
- A Detailed Appeal Letter
It is important to note that this is not an ordinary letter. The appeal letter should be detailed and contain all the information needed to appeal Principal Financial’s denial.
We are a National ERISA Disability Law Firm. Call Our Main Office at (703) 584-7277 to Discuss Your Case
Here's how we can help right now:
- If Principal Financial denied your benefits and you are entitled to an appeal, fax/email/mail us the denial letter. We will review your denial letter and give you a detailed strategy for moving forward. This service is free, but you must act promptly before your appeal window closes.
- You can speak with BenGlassLaw before stopping work and applying for benefits. We can point you in the right direction, give you advice, and offer some guidance to your doctors. There is a fee for a one-on-one consult, but we recommend that you watch our free webinar first.
- If you tried to appeal your benefits with Principal Financial, we could only help you if you have a second appeal available to you. Ideally, you will contact an attorney before you file your first appeal. (Second appeals are tough, and there is often extra work to be done by untangling errors made in the first appeal if an ERISA experienced attorney did not prepare the appeal.)
You Can Speak with Our Team of Experts About Your Principal Financial Disability Claim by Calling Our Office at (703) 584-7277.
Why Most ERISA Long-Term Disability Claims are Denied and How Victims Lose Out on a Fair Recovery - Find Out More in Our Disability Claim Guide, Don't Try This At Home
If Principal Financial denied your long-term disability benefits, you need to download this free guide right now. In most cases, you have only 180 days within which to file a properly framed appeal. A respected federal judge has said that when you have one of these policies you are purchasing an invitation to a "legal ritual" that you will lose.
Ben Glass's Long-Term Disability Book Will Show You:
- How the way you fill out your claim form can wreck your case;
- How doing the appeal yourself can give the insurance company an excuse to deny your claim;
- Why a Federal Judge said that claimants without an experienced ERISA disability attorney are at a 'distinct disadvantage' when appealing their claim denial;
- What you must have in your hand before you file your claim if you want to have any hope of getting paid;
- How to find a board-certified lawyer;
- How one former insurance company employee describes the claim denial process inside one of the world's largest disability insurance companies (you will be shocked);
- How the insurance companies use video and other secret surveillance to try to deny you benefits;
- How one company used an errant checkmark on a physician's form to deny benefits and what we did about it to get benefits restored.
We want to get our guide in your hands right now. You will also have an opportunity to request our disability claim information package after you request this guide.
Ben Glass walks you through the process in his free book, Don't Try This at Home - Your Disability Claim Guide. It's free for Virginia residents!
This Free Book Should Be Read By:
- Anyone who is filing a disability claim or has already been denied.
- Any doctor who treats patients who are making long-term disability claims.
- Anyone who is going through the disability appeals processes and wants to know more.
When Should You Get Legal Advice Regarding Your Disability Claim?
You should consult with an attorney experienced in Principal Financial disability claims before you file a claim. Too often we are contacted by people who have filed claims and exhausted their administrative appeal rights. If you must later file suit, a court is only going to review what is in the insurance company's file.
EVERY case we have in which the client has applied for benefits and done the appeal himself/herself, the record that the court reviews lack important information and documents that should have been in the original claim. Remember, the insurance company KNOWS that your review in court is limited.
Do you think that the insurance company is going to fill the record with information favorable to you? We have never seen that happen!
Your attorney should be experienced in litigating disability income insurance claims and, if your insurance is through your employer, that attorney should understand how ERISA impacts the case. Ask the right questions. Attorneys cannot simply “dabble” in ERISA!
If you have been denied disability benefits, we will review that denial letter at no charge and suggest an appropriate course of action. After that first step, you may want to hire us to create your appeal for you, depending on your particular circumstances.