Companies love to tout their employee benefits like health and disability insurance. Yet, when it comes time to recover certain benefits, the process can be difficult and stressful. Too often, that is the case for individuals who try to file a long term disability claim. They apply only to find the process challenging and the potential for a denial high.
On the other hand, your company may not offer long term disability coverage. You may have had to purchase that insurance on your own. The result could be the same, though. When it comes time to collect the benefits you’ve paid for, the insurance company may slam their door in your face.
At Capitan Law, our Anchorage legal team is committed to helping disabled individuals seek the benefits they deserve. It is your first time applying for benefits? Our team can help you complete a detailed and accurate application with the necessary medical documentation to support your claim. Have you been denied the benefits you deserve? Our team can help you file an appeal and potentially a lawsuit against the insurance company. No matter what stage of the process you are in, we can help you seek a favorable outcome for your situation.
At Capitan Law, our goal is to help hard-working people gain access to the benefits they have earned. For a free and confidential consultation call our Anchorage office at (267) 419-7888.
How the Long Term Disability Process Works
The long term disability process can be time-consuming and confusing. How do you know if you are getting the benefits you deserve, and what happens if your initial claim is rejected? At Capitan Law, we try and take the mystery out of the claims process. We also manage all the heavy lifting. That way, you can focus on taking care of yourself. Here is what you can generally expect from the long term disability claims process:
Application. The process begins in earnest when you apply for long term disability benefits. The application can be challenging and requires a seemingly endless amount of paperwork, doctor’s notes, and medical forms. An experienced Anchorage disability attorney can help you prepare an accurate and detailed application while also tracking down the required supplemental medical documentation.
Appeal. Unfortunately, not all claims are approved. Insurers do not dip into their pockets unless absolutely necessary. If an insurer has rejected your claim, you can submit an appeal for reconsideration. It is during this time that many people turn to a lawyer for help. Even if a lawyer did not prepare their original application, an attorney can help you file an appeal. An Anchorage attorney can help you mount your appeal and gather evidence to support your claim.
Lawsuit. If an appeal is denied, there are still ways to seek the benefits you may deserve. An attorney can begin preparing a lawsuit against the insurance company to recover the benefits you are owed.
Settlement. Not all lawsuits end up going before the court. At any point in the application to lawsuit process, an insurer could decide to offer an individual a settlement. If an insurer wants to settle, it is always in your best interest to have a lawyer negotiate on your behalf. An attorney can help you recover the most money possible and ensure you aren’t being taken advantage of by the insurer.
Why Do You Need an Anchorage Long Term Disability Lawyer?
At first glance, it may seem easy to apply for long term disability benefits. Fill out an application, send it in, and wait for a response. Done. It is in an insurer’s best interest for you to believe that the process is simple and straightforward. That way, when you make a simple mistake, they can reject your claim and keep their money. Unfortunately, filing a long term disability claim is not as easy as it seems.
Disability law is complex. The application and appeals process can be intense and in-depth. At Capitan Law, our attorneys know how insurers operate, and we understand what it takes to build a strong long term disability benefits claim. We want to give our clients the best chance possible at recovering the money they deserve.
Even more complicated is the process of filing a lawsuit against major insurers. At Capitan Law, we are devoted to fighting for the rights of our clients. Our legal team is well versed in federal and state law, as well as the Employee Retirement Income Security Act. In fact, our entire practice is highly specialized. We focus solely on disability claims and devote a large portion of our practice to long term disability cases. We understand the unique challenges that disability cases pose. Our knowledgeable team tackles those challenges head-on to give you the best chance possible at obtaining a favorable outcome.
Why Choose Capitan Law to Handle Your Claim?
Not many law firms choose to specialize in one particular field of law. They diversify and tackle personal injury, disability, and a variety of other legal disciplines. At Capitan Law, we focus solely on helping individuals with disability claims. We have an intimate understanding of disability law, which means we leverage that knowledge for your benefit. We use effective, evidence-based strategies tailored to each client’s specific circumstances. There is no one-size-fits-all approach to the work we do.
At Capitan Law, we aren’t afraid to go head-to-head with billion-dollar insurers. These companies have a vested interest in keeping profits high and payouts low. That isn’t acceptable. We strive to earn the maximum compensation possible for our clients. We also have a long track record of successfully resolving disability disputes.
Contact an Anchorage Long Term Disability Lawyer Today
You have given the best years of your life to your employer. Why is it when you need the benefits you have worked for, there seems to be no help available? Long term disability benefits are supposed to be your safety net, a benefit that comes to your aid in your time of need, whether you bought the policy through your employer or on your own. Fight to get the money you deserve. Contact an experienced Anchorage long term disability lawyer with Capitan Law today.
At Capitan Law, we will work with you to build a strong claim supported by medical evidence. If you’ve been denied benefits, we will aggressively fight on your behalf and appeal the decision. Get the help you deserve. Contact Capitan Law for a free and confidential legal consultation today.