Let’s start with a quick overview of long-term disability insurance. This is a type of insurance, which pays a part of the individual’s income if they fail to work because of a disabling health condition. The cost of long-term disability insurance can be paid by the employer, employee, or both, or an individual can contact disability insurance companies to get a plan on their own. This brings us to an important question – Do you need to consult a long-term disability lawyer? In this post, we are sharing some of the basic details that need your attention.
You need to protect your rights
A considerable number of first applications are denied by insurance companies every year. The truth is filing a long-term disability insurance claim is not easy, and if your claim is denied, you have limited time to file an appeal. In fact, you have to take action within 180 days, or your appeal wouldn’t be considered. Before you actually file the claim, it is wise to know if your case is backed by merit. For protecting your rights and interests, you must consider consulting an attorney.
Get advice on your claim
What long-term disability insurance benefits are you entitled to? For how long can you expect these benefits? Is your claim backed by medical evidence and documentation? What if your claim is denied? These are some of the questions that a skilled lawyer can answer for you. Contact a lawyer, so that you are aware of your rights and can avoid mistakes that can impact your claim.
Insurance companies are hard to deal with
Don’t expect the insurance adjuster to be empathetic to your situation. You need to get an attorney so that you can deal with the situation better. Keep in mind that insurance companies are profit-making businesses, and they don’t want to pay huge for the claims they get. They also know when a customer is likely to file for an appeal, and they are usually high on legal on financial resources. If you don’t have an attorney on your side, you will have to handle everything on your own. The sheer paperwork and gathering enough medical evidence can be challenging,
The good news is most long-term disability lawyers have a free initial consultation. Many lawyers will not charge a fee until they ensure that you get your entitled benefits. Contact an attorney, so that your claim is not denied on flimsy grounds.