A long term illness or injury can be devastating for you and your family. Not only are you unable to work, but you can no longer live the life you used to and may not even be able to complete day-to-day tasks independently. Navigating the long term disability (LTD) insurance claims process can be overwhelming and stressful, particularly if your claim has been denied or the insurance company is refusing to pay you the maximum benefits you are entitled to.
At Abell and Capitan Law, we believe that obtaining the LTD benefits you have paid for should not be so difficult. We have devoted ourselves and our practice to fighting for justice for those who are facing long term illness or injury and are unable to work. When you hire us, we will do everything in our power to fight for your rights so that you can get the benefits you need and deserve. We will not give in to a denial from the insurance company at the application or appeal stage and won’t hesitate to take your case to court if necessary.
With an office location in Louisville, we are here to serve the people of Hurstbourne Acres and surrounding areas. Call us at (267) 419-7888 or contact us online for a free, no-obligation consultation today.
What Is Long Term Disability Insurance?
LTD insurance provides income if you are unable to work for an extended period due to illness or injury. Coverage can be purchased through an employer’s group plan or individually. LTD benefits are usually paid on a regular basis and are calculated as a percentage (typically 60 to 80 percent) of your pre-disability income.
How the Claims Process Works
The first step in the LTD insurance claims process is to file an application for benefits with your insurance company. Your application must provide evidence of your illness or injury and its impact on your physical and cognitive abilities.
While this should be simple, and the insurance company should process your claim and start paying you adequate benefits in a timely manner, this doesn’t always happen. More often than not, the insurance company will find a reason to pay you less than the maximum benefit you are entitled to and they may even deny your claim.
If this happens to you, there is no reason to give up. You have legal options that can help you recover the benefits you are owed. These include:
- Appeal – Submitting an appeal is your first option. To maximize your chances of a successful appeal, you need to ensure that you follow the appeals process correctly. You will also need to identify and gather strong evidence to strengthen your case. Hiring a Hurstbourne Acres disability lawyer will help you maximize your chances of receiving the benefits you are entitled to without having to file a lawsuit.
- Lawsuit – If you have been denied at all levels of the appeals process, your only remaining option is to file a lawsuit. At Abell and Capitan Law, we have successfully fought against many large and small insurance companies in court and will not hesitate to do the same for you.
Why You Need a Long Term Disability Lawyer On Your Side
When you are dealing with significant physical or cognitive challenges as a result of your illness or injury, you may assume that you will face no issues in having your claim approved. After all, your whole life has been turned upside down by this illness or injury, and your disability makes it impossible for you to return to work.
Unfortunately, it’s not that simple. Private insurance companies exist to generate profits and will work hard to minimize or eliminate the money they have to pay out to you. They also want to deal directly with you, instead of an attorney, as this will make it easier for them to deny your claim without proper justification.
Through our experience, we have seen that wrongful denials and unreasonable termination of LTD benefits are common. Having legal representation from the beginning of your claim process increases the likelihood that your application will be given fair consideration by the insurance company. Furthermore, if your claim has reached the appeal stage due to a denial or termination, you have a limited timeframe in which to have the decision reversed. Incorrectly handling your appeal on your own could cause you to completely lose your right to receive benefits. You need an experienced Hurstbourne Acres long-term disability attorney to protect your interests and help you get the value out of your LTD policy.
Why Choose Abell and Capitan Law?
Abell and Capitan Law is one of only a few law firms in the country whose practice is dedicated solely to long term disability law. This allows us to provide the highest quality legal representation to our clients. We have successfully fought against wrongful denials and unreasonable terminations of LTD benefits. We are ready to do the same for you.
When you hire us, we will take the time to understand the physical, cognitive, emotional, and financial struggles you are facing as a result of your illness or injury. We will develop a custom strategy designed to protect your interests, while also satisfying your insurance policy’s standards. We will identify and gather medical, vocational, and testimonial evidence to support your claim and will ensure that all claim or appeal procedures and deadlines are met.
Most importantly, we will negotiate with the insurance company on your behalf and will take your case to court if necessary. Contact us today!
Types of Cases We Handle
The skilled attorneys at Abell and Capitan Law handle both long term and short term disability benefits claims from start to finish. We work with clients who have disability coverage through an employer group plan that is governed by the Employee Retirement Income Security Act (ERISA), as well as those who have individual disability insurance policies.
Contact Abell and Capitan Law Today
With an office location in Louisville, we are here to represent the people of Hurstbourne Acres and surrounding areas. We work on a contingency fee basis, meaning that you will pay us nothing until we obtain benefit payments for you. Call our Louisville office at (267) 419-7888 or contact us online for a free, no-obligation consultation today.