Louisville Disability Insurance Attorneys
If you are unable to work due to a disabling condition, your situation can be stressful and overwhelming. Bills pile up, and you don’t know where to turn to get your life back on track. If you’ve been injured and need long-term disability benefits, you must contact a long-term disability lawyer.
At Abell and Capitan Law, we can help you navigate the confusing insurance claims system, as well as help you file an appeal if your application gets denied. We understand that you need help to pay your bills, buy food, and live your life. Life is expensive and stressful already; adding in the anxieties from a long-term disability can be a huge burden, and Abell and Capitan Law can help take that weight off of your shoulders.
Abell and Capitan Law only works with disabled individuals and never for insurance companies. We know the tactics that insurance companies use to withhold and deny benefits from hard-working Americans in need of help. We’re on your side.
We know that you have a lot of attorneys in the Louisville area to choose to handle your case. Still, it’s important to understand that most lawyers that handle disability cases also handle many other types of cases. This can mean that their attention could be spread too thin and might not have the focus to work their hardest on your individual situation. At Abell and Capitan Law, because we only handle disability cases, we know the disability benefits system like the back of our hands, and we have the focus and drive to get you the help you need quickly.
Reach us online or call us today at (267) 419-7888 to get started on your disability claim or appeals process today.
Why Do I Need a Long-Term Disability Lawyer?
The disability benefits process can be confusing, and it’s often hard to navigate it without help. Only an experienced long-term disability attorney can help you ensure that everything is in place for you to get the benefits you need.
Disability insurance is supposed to help ease your financial burden by replacing regular wage benefits. These benefits were put in place by ERISA in 1975, an act created to ensure that ordinary people could get disability benefits when necessary. Unfortunately, the insurance companies will do anything to keep their money and make the claims process as difficult as possible.
The insurance companies create complicated hoops to jump through and a laundry list of conditions in which you have to meet in order to receive benefits. They will continue to deny and delay claims as long as possible to keep their money in their pockets.
Because the insurance companies will do anything in order not to pay out disability claims, it’s so important that you receive the help of a long-term disability lawyer. Attempting this process alone is nearly impossible.
One of the significant problems with trying to handle the disability claims process by yourself is that there are numerous, critical deadlines to meet when filing paperwork. If you miss one deadline or file one paper incorrectly, you could lose the chance to receive the benefits you sorely need.
At Abell and Capitan Law, we understand the process, as well as the strict deadlines that accompany it. We’ll help you organize your paperwork, document your disability, file the claim, and negotiate on your behalf. We believe that the big insurance companies shouldn’t be able to keep you from getting the necessary benefits in order to ease the financial and emotional burden of living with a long-term disability.
Furthermore, we believe that your ability to retain a diligent and experienced attorney should not be dictated by whether you can currently afford one, and that is why we work on a contingency-fee-basis. That means that we won’t charge you a dime until you receive the money you are owed.
When Should I Retain a Long-Term Disability Lawyer?
Abell and Capitan Law highly suggests that you retain a lawyer as soon as your injury happens or illness begins. It’s beneficial to have a long-term disability lawyer by your side from the very beginning, rather than waiting until after you have filed a claim. Certain evidence and documentation need to be submitted with the initial application, and if you don’t provide it at that point – you might never have the opportunity.
While we suggest getting a lawyer from the get-go, you can retain a long-term disability lawyer at any time. If you’re anywhere along the claims process, give us a call, and we can help you with the next steps.
What Kinds of Cases Does Abell and Capitan Law Handle?
At Abell and Capitan Law, we only handle disability cases. This advantage means that we understand the disability claims system better than other lawyers who handle a broad range of cases.
Abell and Capitan Law has experience in the following types of cases:
- Long-term Disability: If you are unable to work for more than a year because of injuries or illness, you could qualify for long-term disability benefits.
- Short-term Disability: If you are unable to work for less than a year, you could qualify for short-term disability benefits. In some cases, you might have to be eligible for short-term benefits before you can receive long-term benefits, and we can help you navigate that particular system.
- Individual Disability: If you are self-employed or have purchased individual insurance because you wanted more coverage than your employee provided, you could qualify for individual disability insurance.
Whatever the type of disability claim you need to file, we can help you every step of the way.
What is ERISA?
ERISA, or the Employee Retirement Income Security Act, was enacted in 1975 and was designed to protect employee benefits. ERISA regulates almost all employee benefits. Employee benefits include pensions, healthcare, disability insurance, and other benefits.
It’s important to know that in the event of an incident while under an ERISA-regulated plan, it is mandatory to file claims and appeals. If you miss a deadline, you will lose the chance to pursue claims under litigation later on. You also need to document all the necessary evidence to support your disability claim, as you won’t be able to add on additional documentation later. These factors are just some of the reasons that navigating the process with the help of a long-term disability lawyer is so important.
To prepare your original claim, you need to obtain a copy of your insurance plan, request copies of all medical paperwork and evidence to prove your disability, and notate why your disability specifically keeps you from work. All of this can be more easily done with a disability lawyer who understands the system and its demanding requirements.
What Happens if My Disability Claim is Denied?
Unfortunately, insurance companies deny disability benefit claims all the time. According to the US Department of Labor, around 75% of long-term disability claims are originally denied. So, if your application has been denied, you’re not alone.
The first thing to do when denied is to get documentation from the insurance company on exactly why you have been denied. At Abell and Capitan Law, we can procure that information for you and help you to build a stronger case working off of the specific reasons for the denial.
Some of the reasons your claim might have been denied are as follows:
- Lack of Medical Evidence: If the insurance company determines that you’re missing any medical documentation, including test results or medical opinions, they can deny your claim. We can help you to secure the evidence you need to prove your disability. Sometimes, insurance companies try to say that your disability was based on a pre-existing condition. We can also help prove that a particular incident caused your disability.
- Missed or Overlapping Deadlines: You have to submit proof of injury or illness within 30 days of filing your disability claim. However, the insurance companies will often try to confuse you by sending unnecessary or repetitive forms.
- Insurance Company Doctors: Insurance companies have their own doctors that will give a medical opinion on your disability, usually in favor of the insurance company. Because you have to work against this, it’s so important to have documentation, test results, and all evidence needed to document your disability.
These are just some of the reasons your long-term disability claim was denied. With Abell and Capitan Law by your side, we can help to determine why your claim was rejected and formulate a plan for the appeals process.
We’ll help you to document and organize all evidence, describe why the evidence means that you cannot work, and file the claim according to the deadlines.
Contact a Louisville Disability Lawyer Today
If you or someone you love can no longer work due to a disabling condition in Louisville, contact a disability insurance claim lawyer today. At Abell and Capitan Law, we can help you gather the necessary evidence and build a strong claim to get you the benefits you’re owed according to your policy.
Abell and Capitan Law focuses on disability claims only, and that means that we have the knowledge and focus on dedicating all of our energy and resources to you. Every case is different, and that’s why we never take a ‘one-size-fits-all’ approach to the law.
There’s a strict deadline for filing disability claims, so don’t hesitate. Contact us at (267) 419-7888 and schedule your free initial evaluation today.