Long-term disability insurance is meant to provide protection for a person in case they lose their income due to a permanent illness or injury. Most people purchase this coverage through their employer, but some opt to purchase a plan through a private provider.
The process of filing a claim for long-term disability can be stressful for individuals. Sometimes, individuals are denied their claims even though they are rightful. Getting help from long term disability lawyers allows individuals to receive the benefits they deserve for their disability.
Reasons a Person May Need to Hire a Long-Term Disability Lawyer
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When problems begin to occur with the claims process, individuals need to be aware of their rights and the steps required to get the benefits they are owed from the insurance company. Sometimes, it becomes necessary to hire a lawyer to help with the process. The following offers some reasons a person should consider getting legal help for their disability claim.
- A lawyer will analyze a person’s disability insurance policy and determine if there are any issues that would prevent them from receiving the benefits they expect. The lawyer will review the person’s case and determine if their disability matches the definition provided by the insurance company. The lawyer will review any terms and conditions and restrictions to ensure the individual qualifies.
- Different laws may be involved in a person’s disability claim. Sometimes, the Employee Retirement Income Security Act is involved. A long-term disability lawyer will help their disabled client understand the complexities of the law so they can make the right decisions for pursuing their fair benefits.
- A lawyer will work to hold the insurance company accountable to the terms of the insurance policy. Unfortunately, insurance companies do not always follow the law. When lawyers are involved, the insurance company is more likely to be fair.
- Lawyers will also help their clients avoid costly mistakes that could cause them to miss out on the benefits they have been paying for over the years. One of the biggest mistakes people make is failing to understand the terms and restrictions of their policies. People are more likely to make mistakes when they attempt to handle their insurance claims alone.
Take the First Step
After a person is under the care of a doctor and has been determined to be suffering from long-term disability, they need to take the first step towards holding the insurance company accountable. Scheduling a consultation appointment with the attorney allows the process to begin.
At the consultation, the injured party will bring in their insurance policy information and medical information. The person needs to be prepared to speak about their issues in depth. The lawyer will likely ask questions and address any concerns their client may have.
Lawyers Become Legal Advocates For Their Clients
No one should have to go through the process of dealing with the insurance company alone. Hiring a lawyer makes the process much less stressful for those who are ill or injured.
Insurance companies often try to deny claims even when they are rightful. By hiring a lawyer, individuals will hold the insurance company accountable and make them pay the owed benefits right away.
A lawyer helps their client gather needful evidence for the claim. While the insurance company is supposed to investigate the claim adequately, it never hurts to submit additional medical records and evidence so the claim can be approved.