Disability Insurance Claim Lawyers Serving Colorado Residents
Have you or a loved one recently become disabled? Do you have long term disability insurance, either through your employer or privately? Are you unsure how to make a claim or what your benefits are? Has your insurance company denied your claim? If the answer to any of these questions is yes, then you should contact a disability insurance lawyer immediately. Our firm serves Colorado residents with LTD claims.
A sudden disability can turn your life upside down. If you have disability insurance, you pay monthly premiums to ensure that you have a safety net in the event that you suffer a disabling injury or illness. Although insurance companies make billions of dollars off of these premiums, they still often do anything they can to deny your claim and avoid a payout. An experienced disability insurance lawyer, like those at Abell and Capitan Law, can help you with any stage of the disability insurance claim process, whether that’s filing a claim or appealing a denied application. You can give us a call today at (267) 419-7888 to schedule a 100% free consultation.
Why Do I Need a Long Term Disability Insurance Lawyer?
If you have disability insurance and have developed a disabling condition due to injury or illness, you should be entitled to benefits. However, many insurance companies, who are incentivized to pay as little as possible to their clients, will find any reason they can to deny your claim and avoid paying you. Insurance companies may take advantage of recently-disabled policyholders who are likely stressed, overwhelmed, and struggling to understand the complicated legalese of their insurance policy. An experienced disability insurance lawyer will be able to help you navigate this process and help you get the benefits to which you’re entitled.
It’s also critical to hire a disability insurance lawyer because disability insurance is very complicated, even more so than other types of insurance. If you get your disability insurance through your employer, then it is subject to the Employee Retirement Income Security Act (ERISA), which can further complicate your disability insurance claim.
ERISA is a federal law that was designed to protect employees who have disability insurance. However, courts have since interpreted parts of the law in ways that prioritize insurance companies over their policyholders. ERISA has established a complex set of deadlines that you must meet when making your disability insurance claim, which has made it difficult for many to receive the disability benefits they are entitled to. An experienced disability insurance lawyer will have expert knowledge of ERISA and will be equipped to help you navigate this process.
Why should I choose Abell and Capitan Law?
Abell and Capitan Law is uniquely equipped to give you the quality representation you deserve, as we are one of only a few firms in the country that exclusively handle disability insurance cases. Most law firms that represent disability insurance cases are often focused on other areas of the law, such as personal injury and worker’s compensation. This means that most other law firms handle fewer disability insurance cases per year, are less familiar with disability insurance laws like ERISA, and less equipped to expertly deal with adverse insurance companies.
Our award-winning lawyers have extensive experience helping individuals like you with disability insurance claims. We will be ready to help you get the benefits you’re entitled to.
Many people worry that hiring a lawyer will be too expensive. At Abell and Capitan Law, we work on a contingency-fee-basis, which means that you pay us a small percentage of the money you win at the end of your case. There are no fees or bills to pay along the way, and you only pay us if we win your case. This way, you can hire a lawyer from Abell and Capitan Law without any financial stress or strain.
We also offer a 100% free initial consultation, so we can give you an idea of what you can expect from your case before you decide to work with us. We’d like to hear about your situation — give us a call today at (267) 419-7888 to schedule that free consultation.
How Can Abell and Capitan Law Help Me With My Colorado Long Term Disability Insurance Claim?
Our plan for handling your case will depend on the unique circumstances of your disability and your insurance coverage. We are proud that we treat every case with individual detail and care — we treat our clients as people, not as numbers. We provide disability insurance representation throughout all aspects of the insurance coverage process, from filing a claim to litigating your claim in a court. Most of our work falls into three categories:
After your disabling injury (what insurance companies often call a “qualifying event”), you will need to make a benefits claim. This usually consists of submitting an application detailing the circumstances of your disability. Explanations of your benefits and claim filing instructions are often written in intentionally confusing legalese to deter policyholders from making claims. At this stage, an experienced disability insurance attorney will go over your insurance policy with you to make sure you fully understand your benefits and will ensure that your application is complete and free of common mistakes.
Appealing denied claims
You have the right to appeal any claim that your insurance company denies. There are a number of reasons your insurance company could have denied your claim — perhaps your application was missing a required document, or your insurance company is claiming your coverage wasn’t active at the time of your qualifying event.
In many cases, it can be difficult to understand why your claim was denied, as insurance companies may not give you a reason or explain in complicated legalese. Working with an attorney will increase your chances of winning your appeal, as we will be able to determine exactly why your claim was denied and make a plan for the best steps moving forward.
Litigating a claim in court in Colorado
If your insurance company denies your appeal, you can choose to file a lawsuit to secure the benefits you deserve. Often, insurance companies will choose to settle a case outside of court instead of going to trial. This means that an insurance company will offer you a sum of money, and if you accept, you drop the case against them.
Taking your claim to court is a good option if your insurance company refuses to work with you. However, cases in courts can take several months to several years and can be stressful. The attorneys at Abell and Capitan Law have extensive experience in disability insurance law and will thus be able to advise you on whether or not your case has a good chance of winning in court. If you decide to litigate your claim in court, Abell and Capitan Law will handle all legal procedures, paperwork, and external communications. Remember, we work on a contingency-fee-basis, so you won’t have any bills to pay us until we win your case.
When Do I Need to Hire a Lawyer?
A Abell and Capitan Law lawyer will be able to assist you at any step of the disability insurance claim process. That being said, it’s in your best interest to hire a lawyer before you send in your initial claim application. As mentioned, insurance companies often intentionally make the claim-filing process confusing and convoluting, meaning that many people make mistakes or leave out documents when filing their claims. An attorney who specializes in disability insurance will know exactly how you need to file your initial claim, which will increase the odds of you quickly receiving the benefits you are entitled to.
Contact a Long Term Disability Insurance Attorney from Abell and Capitan Law
If you need assistance with a disability application or if you feel that your application for benefits has been wrongly denied, turn to the long term disability insurance claim attorneys of Abell and Capitan Law for help with your Colorado claim. Our firm’s sole focus is on helping people like you get the disability benefits you’re entitled to. Call us to schedule a free case evaluation at (267) 419-7888 or reach out to us online today.