Long term disability insurance is intended to provide income replacement for you and your family during a time when you can no longer work. It is a monetary insurance benefit. The process of filing a claim can often be frustrating, especially if it has been denied and you need to appeal. Long term disability lawyers employ a unique and detailed set of legal strategies during the application and appeals process to help each client meet the policy’s specific standards of disability, to maximize the chances of success, and avoid common pitfalls. Read on to see if you should consider hiring an LTD attorney.
1. You’re Preparing to File a Claim
The application process for disability insurance benefits can be challenging. With endless paperwork, forms, and medical records being required routinely, it’s easy to get overwhelmed. If you’re planning to file a claim with your insurance company, hiring a long term disability lawyer will help eliminate the possibility of not submitting required paperwork or missing deadlines because this is likely your first time through this process and you do not know what to expect.
2. You’re Filing an Appeal
If your LTD claim is denied or terminated, we strongly recommend that you hire an experienced disability insurance lawyer, or at the very least consult with one. If you file an appeal on your own, you may not submit all necessary evidence or make other mistakes along the way. The appeal process may be your one and only chance to submit evidence to support the payment of your LTD benefits. It is important to hire an attorney to assist with filing your appeals since most appeal processes follow specific timelines, often 180 days, to appeal a denial.
3. You Need to File a Lawsuit
If your appeal proving disability is denied, your only remaining option is to hire a long term disability lawyer to file a lawsuit. The attorney will fight against the offending insurance company if your best evidence establishing disability is rejected.
It’s never too early to consult with an attorney regarding your disability insurance claim. The LTD attorneys at Abell & Capitan Law understand the complex rules of long term disability, and know how to use those rules to protect the rights of people filing long term disability claims. Our attorneys are dedicated to helping people fight insurance companies to help obtain the benefits they deserve. No attorney fees are paid unless you receive the disability benefits you are owed.
To contact the lawyers at Abell & Captain for a free consultation, please call 800-689-1056.