Filing a long term disability insurance claim is complicated, often filled with potential pitfalls. Getting it wrong can impact or destroy your financial future and your family. Hiring a long-term disability insurance attorney is a crucial step to getting the benefits you are entitled to.
Here’s why you should talk with Jason Newfield before you file your disability insurance claim:
1 -Long term disability insurance claims, contracts and laws are complicated. Group policies governed by the Employment Retirement Security Act (ERISA) are even more complex, with restrictions on how denied claims can be appealed. An experienced LTD attorney can navigate these laws and regulations – even attorneys and insurance professionals find themselves on the losing side when they try to do it without proper legal guidance. Understanding your rights, obligations and the process are critical pieces to your chances of success.
2 – If you make a mistake with an LTD claim, you could permanently lose both the claim and the ability to fight back. There are pitfalls throughout the claims process:
- Claims forms don’t always make sense to the inexperienced person,
- Deadlines are strict and there’s no wiggle room.
- Conversations with an insurance representative or an investigator could shut down your claim.
- Your doctor’s notes could turn your claim from a lifetime benefit to a 24 month payment.
If you don’t know the nuances of the process, you could easily lose your entire claim.
3 – Battling a large insurance company with limitless resources and the motivation to deny your claim is like putting a child’s pedal car against a Porsche on the racetrack. It’s no contest. Leverage our years of “under the hood” work with and against the insurance companies to guide you and the process.
4 – An experienced attorney understands how to strategically prepare a claim, including assembling medical proof your doctor may not even be aware of. The requirements provided to claimants on a website portal are just the tip of the iceberg. The attorney will know what needs to be presented and what format is going to be successful.
5 – Filing a strong disability insurance claim from the start prepares your claim to be challenged at any point over the life of the claim. If you’re not able to return to work, it’s likely you’ll be facing denials, reviews, investigations, and surveillance over many years. Getting it right from the start is critical.
6 – An experienced LTD attorney can take the stress and burden from you and your loved ones so you can focus on your health. The insurance company representatives are well aware that the people who are filing disability claims are vulnerable and they are not embarrassed about taking advantage of this.
7 – Appealing a disability claim is even tougher than filing an initial claim. You want the experience and guidance of the appeal to improve your chances of success. This is not a do-it-yourself project.
Your chances of success with a disability insurance claim are far better with representation from an experienced long term disability attorney. Understanding the issues, the process and your rights is of utmost importance.
If you’re facing a long term disability claim and have questions, we invite you to contact Jason Newfield for a free consultation.
