Disability Insurance Claims Attorneys Serving Arizona Residents
When you’re unable to work because of an injury or illness and you have long term disability insurance coverage, you could be eligible to claim benefits that can help pay a portion of your wages while you’re out of work. The long term disability insurance attorneys from Abell and Capitan Law are committed to helping people get the full benefits they’re entitled to according to their policies. We help Arizona residents with LTD claims. Anyone unfamiliar with the process of filing for long term disability benefits might not know how the process works or the range of benefits available to them, and we’re here to provide knowledgeable legal counsel to make the process easier.
If your employer provides long term disability insurance coverage or if you’ve purchased a private policy, you likely know that benefits are available to you, but you might not know how to go about applying for them. For many, it can be confusing to deal with all the paperwork and submitting the forms the insurance company requires from you. If you have an experienced attorney by your side, you’ll feel confident knowing nothing will fall through the cracks.
When you hire one of our disability insurance claim attorneys, we can help make sure that you get the benefits in Arizona that you need and deserve. We have the experience, knowledge, and resources necessary to get the job done. Abell and Capitan Law understands the complexities of insurance claims and how each step should get handled. We focus our efforts on long-term disability, short-term disability, and individual disability. Not only do we file insurance claims for our clients, but we can also help you appeal a denied application if necessary.
What Is Long Term Disability Insurance?
While workers’ compensation provides benefits like partial wage replacement when employees are hurt on the clock, long term disability insurance can provide partial wage replacement when employees become ill or disabled away from work, and can’t work. In general, disability insurance will not be able to replace a worker’s entire income, but a portion of their earnings, up to a capped monthly maximum payout. While it might not be the amount they are accustomed to, this income stream can be vital for the employee and their family. Unlike workers’ compensation insurance that is provided only by the employer, there are multiple options for long term disability insurance coverage.
- Employer Paid: Many employers offer long term disability coverage to their employees and pay the entire premium or just a portion of it.
- Employee Paid: If your employer doesn’t fund your disability insurance, but offers it as an option for purchase, you can pay for your coverage through their insurance broker.
- Member Coverage: If you’re a member of a professional association, disability insurance is available at a group rate.
- Individual Plans: Coverage is purchased through an insurance broker or directly from an insurance company.
Many states throughout the country have laws requiring employers to provide disability insurance to their employees. However, Arizona is not one of those states. If your employer doesn’t offer disability benefits, or the coverage isn’t high enough, supplementing it with an individual plan is a great option. When you purchase your disability policy, you’re able to customize the coverage you receive should you sustain an injury that prevents you from working.
How Does the Long Term Disability Insurance Claim Process Work?
When you hire one of our disability insurance claim attorneys, we will put our extensive experience handling disability claims in Arizona to work for you. The first step to filing any claim is reviewing your insurance policy, so we know the maximum coverage available and what expenses qualify for benefits. When the initial application is submitted, there’s documentation and forms the insurance company requires to review your situation and determine if you deserve any assistance. We’ll help you with the process of filling out claimant forms, seeking medical examinations, collecting your medical records, and preparing for interviews.
Once your claim gets filed, the insurance company will review everything we provided and decide if you qualify for monthly payments. During this waiting period, it’s essential to continue treatment for your injury or illness and keep records of any documentation you might have to submit to the insurance company for additional review. If your claim is approved, you will receive a payment every month until you return to work.
What If the Insurance Company Denies My Claim?
If the insurance company denies your claim, we’ll work on appealing their decision. Unfortunately, disability insurance claims get denied frequently. Many factors contribute to a denied disability insurance claim. The most common reasons include:
- Lack of Medical Evidence: Undergoing treatment isn’t enough for your claim to get approved. Your physician must state in your records that your injury or illness has directly affected your ability to perform at or return to work.
- Upcoming Medical Procedure: Any future surgery could negatively impact your claim. Insurance companies will require proof that your surgery didn’t result in any complications requiring disability before moving forward with your original application.
- Undiagnosed Condition: Symptoms with no known origin could result in unforeseen treatments in the future. If your physician is unsure of the cause of your condition, it could develop into something more severe. Your insurer won’t approve your claim until you submit additional documentation of your condition, or you’re fully recovered from it.
- Ineligible Medical Condition: Disability insurance benefits don’t cover certain illnesses claimants received a diagnosis for previously. If you sustained an injury as a direct result of your disease, you might also get denied any benefits.
ERISA, Employee Retirement Income Security Act, is a federal law enacted to protect employee benefits. If you applied for disability benefits through your employer, it’s likely subject to the ERISA statute. Depending on your claim, ERISA could benefit or harm you. Disability insurance claim attorneys from Abell and Capitan Law know the deadlines we’re up against and how to appeal a denial when dealing with ERISA claims effectively. We will obtain the denial letter from the insurance company along with any necessary documentation that shows the reason for your claim getting denied. We will use that information to obtain vital evidence to dispute the denial, such as medical records not previously submitted or non-medical documentation showing the negative impact of your disability. If our appeal isn’t successful, we might suggest filing a lawsuit to secure the benefits you’re entitled to in court.
How Can Abell and Capitan Law Help Me?
If your injury or illness prevented you from returning to work in Arizona, call Abell and Capitan Law immediately. Our disability insurance claim attorneys are committed to helping individuals like you get the disability payments you’re owed according to your policy. We will work diligently to ensure every aspect of your claim gets handled the right way, so nothing falls through the cracks.
At Abell and Capitan Law, we know how important these benefits are to you and your family. We’ll be ready to put our extensive experience to work for you, whether it is at the initial filing stage or if you need help appealing a claim that was denied.
If you need assistance with a disability insurance claim in Arizona, contact Abell and Capitan Law at (267) 419-7888 right away. Our skilled and knowledgeable attorneys will be ready to help you with your claim. We provide free consultations to discuss your case, and we represent clients on a contingency-fee-basis, which means we won’t collect any payment until we get you the benefits you need and deserve.