Long Term Disability Insurance Claim Attorneys Serving Louisiana Residents
Are you a Louisiana resident who was recently injured or developed a serious health condition? Are you no longer able to work as a result of your injuries? If so, you may be entitled to benefits through your long term disability insurance. Our law firm serves Louisiana residents with LTD claims.
Due to the complicated claims process, hiring a long term disability insurance attorney is essential to the success of your claim. Although your insurance company should be there for you during times of need, the reality is that they might try to reduce your benefits.
The caring attorneys at Abell and Capitan Law have helped people throughout Louisiana get access to the disability benefits they’re entitled to. When you choose our law firm to handle your claim, you can expect:
- Superior Legal Services: We have been recognized for our work in numerous publications, such as Super Lawyers.
- Exclusive Focus on Long Term Disability Insurance: Disability is all we do, which allows us to better serve our clients.
- Aggressive Strategies: We understand that you might be seriously injured and are wondering how you’re going to pay your bills. We will aggressively pursue your claim to secure long tertmdisability benefits as soon as possible.
The sooner you speak to an attorney, the sooner you can restore your peace of mind. Contact us today at (267) 419-7888 to schedule a free consultation with our long term disability insurance attorneys.
Louisiana Disability Statistics
Although you might think that disabling injuries and illnesses only affect a small percentage of people, disabilities are quite common. They can be the result of an unexpected accident, or from the worsening of a lifelong condition. Many people will sustain a disabling injury or illness at least once during their career. Luckily, disability insurance can replace a portion of your wages in the event you cannot work.
A quick look at Louisiana’s disability statistics reveals:
- The percentage of disabled adults in Louisiana is higher than the national average. 32.3% of Louisiana adults have some type of disability, compared to 25.6% of adults throughout the United States.
- Approximately $6.6 billion is spent on disability healthcare expenditures every year in Louisiana.
- Among disabled adults in Louisiana, 16.8% suffer from an injury or illness that affects mobility.
- Approximately 15.6% of disabled adults in Louisiana have cognitive disabilities.
- Deafness and hearing loss are responsible for about 7.0% of disabilities.
- 47.5% of disabled adults in Louisiana are likely to suffer from high blood pressure, compared to the national average of 41.9%.
Why It’s Essential to Hire an Attorney for Long Term Disability Benefits in Louisiana
When you’re out of work, you should be able to count on your disability insurance company to help you. Unfortunately, this isn’t always the case. Not only is it your responsibility to prove that you’re disabled, but the insurance company may pick apart your claim and try to reduce the benefits you receive. They may also bombard you with repetitive document requests, and meanwhile, your bills are piling up.
At Abell and Capitan Law, our attorneys can help with this process. Our goal is to ensure you get the financial support you deserve, as soon as possible. When you choose our attorneys to handle your Louisiana disability insurance claim, we will:
- Prepare Your Application: Getting on disability involves far more than just filing a claim. Insurance companies often require detailed documentation, and you have to comply with strict deadlines. Our law firm can navigate these laws on your behalf and ensure your application is submitted correctly.
- Fight Denied Claims: Even if your claim is submitted correctly, the insurance company may still find a reason to deny your request for benefits. We will aggressively appeal denied claims and work toward securing the benefits you’re entitled to.
- Assist With Litigation: If you’re unsuccessful at recovering disability benefits, you may have the option of suing. We can uphold your rights and take your case to court against the insurance company.
FAQs About Louisiana Long Term Disability Insurance Benefits
We often receive questions from clients about long term disability insurance options, applying for disability insurance, and appealing a denied claim. Following are some of our most commonly asked questions. Don’t hesitate to contact us if you have any additional questions for us.
Why might my long term disability benefits get reduced?
After reviewing your claim, the disability insurance company may deem your disability to be “residual.” In their eyes, this means that you can still perform some of your job duties, even with your current injury or illness. As a result, they will reduce your payments accordingly. In order to qualify for the full amount of benefits, you may have to prove that you are totally disabled with new medical documentation.
What are the possible reasons for denying a claim for long term disability benefits?
Each disability insurance company has their own reasons for denying claims. These are some of the most common reasons for denial:
- Failure to Meet Deadlines: Did you know that there are strict deadlines that affect your claim? Not only that, but there may be overlapping deadlines. For instance, when filing a lawsuit after an unsuccessful appeal, you typically must exhaust your administrative options with the insurance company, according to guidelines set by ERISA. ERISA is a set of federal laws and guidelines governing many disability insurance companies. However, the insurance company might make their final determination after the deadline for filing a lawsuit expires. This is why it’s crucial to have an experienced attorney handle your claim.
- Lack of Evidence: If you suffer from an injury or illness with subjective symptoms, such as a mental condition or chronic pain, you might have a harder time recovering benefits. This is because most disability insurance companies require hard, objective evidence of your injuries. If your claim is denied, our attorneys can help you obtain the required medical documentation to support your case.
- “Gainful Occupation” Clause: Does your disability insurance policy have a clause about “any gainful occupation?” If so, then your benefits may be reduced or discontinued. This type of provision states that if you are able to work at any job, then you are not eligible for full benefits, even if your injuries prevent you from working your primary occupation.
- Contradictory Evidence Obtained by Insurance Company: It’s not uncommon for insurance companies to hire private investigators. If you’re in the process of filing a claim, and an investigator obtains video footage of you that contradicts your reported injuries, then your claim may be denied. Or, your previously approved benefits may be discontinued.
Is it necessary to hire an attorney to get long term disability insurance benefits?
Disability insurance companies vary considerably when it comes to how they define a disability, the range of benefits they offer, the deadlines for appeals, and more. And for the average person who has no legal experience, the claims process can be a logistical headache and very time-consuming.
As a result, it’s best to have an attorney help you from the beginning. An attorney who handles long term disability insurance claims can do the following:
- Request copies of your long term disability insurance policy and summary plan description.
- Explain the benefits you’re entitled to and translate complex legal documents from your insurer.
- Note any applicable deadlines and comply with them.
- Obtain official medical opinions and other documents to support your claim.
- Prepare and file a claim based on your insurance company’s requirements.
- Fight and appeal any denied claims on your behalf.
- Litigate your claim if benefits cannot be secured from the insurance company.
If you initially filed a claim on your own and you’ve run into an administrative hurdle, there is good news: you can hire an attorney at any point during the long term disability claims process.
Should I file a claim for workers’ comp or long term disability?
While workers’ comp can replace part of your wages, it is designed specifically for those who are injured on the job. The purpose of long termdisability insurance is to replace part of your wages if you cannot work due to a serious injury or illness not sustained on the job.
Talk to an Attorney About Your Louisiana Long Term Disability Insurance Claim
If you have an active long term disability insurance policy, then you have a right to claim benefits in the event of a serious injury or illness. But hiring an experienced attorney is the key to successfully recovering the financial support you’re entitled to.
Our attorneys are ready to evaluate your long term disability insurance claim. Contact Abell and Capitan Law today at (267) 419-7888 to schedule a free, no-obligation consultation.