The inability to work due to a disability The good news is that you have disability insurance. You may be asking yourself these questions as you are ready to submit a claim for either short-term or long-term disability insurance:
When do I know I need an attorney for my disability insurance case? It can be challenging to know where to start when filing a claim for disability insurance. An expert disability claims attorney should be consulted before applying for disability benefits. While having a lawyer by your side throughout the whole disability claim process is highly recommended, there are some triggers that should prompt you to contact an attorney for disability insurance.
Claims That Take Too Long to File
To avoid paying out claims, insurance firms will often adopt delay tactics. It is not uncommon for insurance companies to keep asking for updates even after making no progress toward a decision. While delays may have merit, they are often unjustified and even illegal. The insurance company may be fishing for excuses to reject your claim. Or they could be trying to drive you to the edge of desperation, hoping you will give up your claim or accept less than you are worth. A disability insurance attorney can help you get the compensation you deserve if the insurance company unfairly processes your claim.
Evaluation of Pre-Existing Conditions
Insurance companies may contest your claim for disability benefits because your ailment predated the policy’s effective date. If you are denied disability insurance coverage, a lawyer can look into your case, gather evidence, and file a claim dispute with the insurance company.
In-Person Meeting or Medical Checkup
The insurance firm might set up a meeting with a doctor or an interview with you. The purpose of these is to strengthen a case for denying benefits. Having legal representation during an interrogation or examination is crucial. These attorneys can assist you in preparing for any type of interview or examination, and they can even participate in the interview themselves.
If your claim is refused, you should seek legal counsel for the appeals process. You may never get another chance, like the appeal to offer evidence of your handicap. An attorney can help devise a strategy to counter the reasons for the initial denial and help bring about a positive resolution.
A lawyer can assist with claim submission, appeal of long-term disability refusal, settlement negotiations, and/or litigation against the disability insurer.