For the unversed, a long-term disability policy offers financial support, if an individual cannot work because of health reasons. There is a long list of conditions that qualify for LTD benefits, right from Parkinson’s disease, cancer (s), and HIV/AIDS, to stress, depression, and bipolar disorder. If you need help with your long-term disability claim, or when your claim has been denied wrongfully, you may want to consult an attorney. Here are some solid reasons to hire a lawyer for such circumstances.
- To deal with the insurance company
Keep in mind that disability insurance companies will always look for ‘gaps’ in your claim. If your medical documentation is not enough, or when the condition is subjective, such as migraines, your claim can be denied. You need an attorney, who can deal with the insurance company if your disability benefits are denied for the wrong reasons.
- To adhere to deadlines
What happens when your disability insurance claim is denied? Well, you have limited time to file an appeal. Usually, you have 180 days, from the time that your claim is denied, to file an appeal. You need an attorney because they know what it takes to gather evidence and details to bolster your case. If you wait until the last minute to hire an attorney, you will lose valuable time.
- To gather evidence
A skilled long-term disability attorney will talk to doctors, medical experts, caregivers, and deal with the investigation needed for your case. In most cases, claims are denied for reasons that are related to the documentation, while it is also possible that the condition is subjective. Your lawyer will ensure that you have enough room and time to take action.
Finding the right long-term disability attorney
Not all lawyers deal with long-term disability claims. You need someone who is experienced enough and handles such cases on a regular basis. Don’t shy away from asking questions related to the attorney’s work profile, and you can always ask for a free initial consultation. Many of the top long-term disability attorneys don’t charge a fee until you have won the benefits you are entitled to. In fact, you may want to consult an attorney before you file the claim so that your case is strong enough and is not denied.
Check online now to find the best-rated long-term disability attorneys in your area, and ensure that you seek advice on how to make the best of your claim.