Depending on the extent of your injury or illness, your doctor may tell you to stop working for a certain period. When this happens, you need to file a long-term disability claim to obtain financial resources for you and your family while you’re in the road to recovery.
Luckily, there are many employers or business owners who offer long-term disability benefits in the form of insurance to provide income replacement to employees who couldn’t work for an indefinite period due to a disability. Aside from your own coverage, you could take advantage of this business insurance to receive compensation for the lost income you’d suffer as a result of the disability.
However, dealing with a long-term disability claim could be a daunting experience. There are many things to consider to make sure you get the compensation you deserve. Thus, to successfully receive the benefits you’re entitled to under your insurance policy, it’s best to hire long-term disability lawyers to seek legal assistance.
To ensure you’re making the right decision, keep reading this article to learn about when you should work with long-term disability lawyers for your case.
When Understanding The Policy And The Claims Process
Is long term disability insurance worth it? In short, yes. Typically, most insurance policies are documents drafted by underwriters and legal professionals with valuable experience in the insurance industry. That being said, you could expect your long-term disability insurance coverage text to be complicated and confusing.
More often, it contains terms and conditions and other contractual provisions that need to be examined carefully before making any claim. When you apply for a long-term disability insurance claim without understanding the nitty-gritty of the policy, it would be much easier for the insurance company to diminish or outright deny your claim.
Because of this, it could be an excellent idea to hire long-term disability lawyers from reputable law firms like Aaron Waxman and Associates and others who are familiar with the provisions and terms used in insurance policies that are difficult to interpret. They could explain the policy better and advise you on how to push through with your claims without compromising your chances of obtaining approval.
When The Insurance Company Is Giving You A Difficult Treatment
Another situation that warrants the employment of experienced long-term disability lawyers is when the insurance company is giving you a difficult treatment pertaining to your claims application. Again, many insurance service providers would do their best to lower or reject your claim, depending on the circumstances. That’s because they may not want to pay a considerable amount of money to cover your policy’s coverage.
For this reason, there could be a possibility the insurance company would give you a hard runaround. For example, they could make everything difficult for you through the following:
- Claiming they didn’t receive the necessary documents and are asking you to resend them;
- Failing to respond to your queries and requests in a timely manner; and
- Putting you on hold repeatedly when calling them.
As you can see, there are many signs the insurance service provider could be unfairly treating you and your claims. That’s why when this happens, it’s time to hire long-term disability lawyers to handle the insurance company for you. They know how these entities work, so they could protect you from the insurer’s awkward treatment and help ensure your application is processed as quickly as possible.
When You’re Being Pressured By The Insurance Company
You should hire long-term disability lawyers when you notice the insurance company is starting to pressure you. Since most insurance service providers’ priority is to make money, they would make sure you receive a much lower settlement than what you may be entitled to under the policy.
In such a case, it could be an excellent idea to get yourself represented by a legal professional when dealing with them. By doing this, they could no longer pressure you on signing any document, giving written statements, or accepting a settlement. Also, with a lawyer by your side, you’d know what’s really in your best interest as a claimant of long-term disability insurance benefits.
When Your Claim Has Been Denied
Generally, there could be many reasons why your claim has been denied. Some of them could include non-coverage or the policy doesn’t cover the nature of your claim, providing false information, and failure to prove fault. These are just some of the common situations in which you should seek legal help from dedicated long-term disability lawyers.
However, if you strongly believe your claim should be approved by the insurance company, then there’s nothing to worry about because a legal professional would be there to help you. You could hire a good attorney to appeal the denial of your claim and receive the benefits you’re entitled to under your insurance policy.
The Takeaway
Generally speaking, you don’t need to struggle with the claims process alone. By keeping in mind the pieces of information mentioned above, you’d know when should be the right time to work with dedicated long-term disability lawyers who could help increase your chances of success.
Remember, having someone who could legally fight for your rights and interests could help you get the benefits you’ve paid for under your long-term disability insurance policy.
