Facing a long-term disability can be an overwhelming experience. Not only are you up against health issues and changes in the way of life you’ve become accustomed to, but you’re also likely dealing with mounting medical bills and many other challenges.
On top of that, the process for filing a disability claim can be a significant hurdle in its own right. For many people, it’s an intimidating process that only complicates the struggles they’re facing.
When you’re filing a disability claim, a seemingly endless stream of paperwork comes into play. You’re probably dealing with strict deadlines and even more stringent requirements to qualify for the benefits you need.
Fortunately, you don’t have to forge through the process alone; long term disability lawyers can help. They play several roles in assisting people with successfully navigating their disability claims.
Helping You Understand Disability Benefits and Your Rights
For one, lawyers explain the benefits that are available to clients based on their unique circumstances. Many people are a bit uncertain of what their long-term disability policies actually cover and what they don’t.
An attorney can review your policy, explain what’s covered, and help you better understand your eligibility requirements. Lawyers can also help you understand your rights when it comes to coverage, timely decisions from your coverage provider, and appealing denials along with other factors.
Properly Preparing and Submitting Claims
Attorneys can also help ensure clients prepare and submit their claims properly. Filing a claim entails several steps with numerous details involved. It’s as complicated process, and even a seemingly minor mistake can mean the difference between being approved or denied.
Furthermore, you have to submit a great deal of additional paperwork along with your claim, including medical records and proof of how your disability impacts your life and work. An attorney will help you gather the necessary information, ensure you fill out the claim forms correctly, and make sure you meet all the deadlines that may come into play.
Assisting With Denials and Appeals
As alluded to earlier, long-term disability lawyers likewise help clients with denials and appeals. Quite a few claims are initially denied. When that happens, an attorney can help you handle the appeals process. Lawyers can evaluate the reasons clients were denied and make adjustments to their cases accordingly.
That, in turn, can improve their chances of successfully appealing. Whether that entails correcting paperwork errors, bringing in expert medical witnesses, or challenging the insurance company, they can help turn denials into approvals.
Dealing With Insurance Companies
Additionally, long-term disability attorneys can deal with the insurance company on your behalf. Coverage providers tend to have extensive teams of legal professionals on their side to disprove claims and minimize payouts.
Why shouldn’t you have a team in your corner to advocate for your best interests? An attorney can help ensure you’re treated fairly, your rights are upheld, and you get the payout you deserve. That alone can take a great deal of stress off of your shoulders.
Helping You Navigate a Long-Term Disability Claim
Long-term disability insurance can help give you added protection and peace of mind in the event you suffer a life-altering injury or illness. Unfortunately, filing a claim can be a harrowing experience, and many people are initially denied.
A long-term disability attorney can help you navigate the process to greatly improve your chances of being approved. If you’re denied, a lawyer can fight for your rights and bolster your chances of successfully appealing that decision.
