If you cannot work due to a disability, you may want to file a long-term disability (LTD) claim. However, this can be quite tricky. Usually, insurance providers will cut off or deny claims, leaving you in financial distress. In this case, you may need to hire a disability claims attorney to help you fight for your right to benefits. Having an attorney on your side when you file a claim or fight a claim denial offers you many benefits.
How Your Lawyer Can Help You
Dealing with an insurance provider can be challenging as they already know the kind of tactics to use for your case. The company will want to pay you as little as possible or deny your application outright to avoid a payout. These actions are possible if you do not what to do when filing a claim. Your lawyer will file a disability claim for you, with all the necessary evidence of your disability. Also, they can appeal a denial or take legal action against the insurer.
Do not wait until the insurer has rejected your claim to hire an attorney. An experienced lawyer can make sure you meet the application deadlines, get credible evidence, help you complete claim forms, and handle communications with the insurance company for you.
Why Hire a Disability Attorney
The following are reasons you must hire a disability lawyer:
- They can help reduce your stress. After sustaining a serious injury that has resulted in a disability, you may be worried about your health, medical treatment, and finances. The last thing you want is to deal with additional stress from dealing with an insurer. Thankfully, an attorney can handle them for you and negotiate a fair settlement with them.
- Help you avoid mistakes. Insurance providers make the disability claim process difficult. Usually. They take advantage of a claimant’s lack of knowledge and experience throughout the process. Your lawyer can help you understand the policy of the insurer, so you know your coverage and what you are legally entitled to. Without an attorney on your side, the insurer can use your words or actions against you.
- Appeal a denial. If the insurance company denies your claim, your attorney will file an appeal for you. They will collect additional evidence that can prove your eligibility for disability benefits. Also, they ensure that any investigation conducted by the insurer is legal and does not violate your privacy.