Posted on: 16 July 2019
Long-term disability is a type of insurance policy that is designed to protect you financially in the event that you are injured or seriously ill and can't work for an extended period of time. In some situations, a person may be considered disabled for years. This type of insurance policy is often employer-sponsored, but individuals can also purchase their own policies directly from an insurance company. Unfortunately, some people encounter issues when they file a long-term disability claim and the insurance company may opt to deny the claim. When this happens, it is in a person's best interest to hire a lawyer. Some of the top reasons to hire a long-term disability lawyer include the following.
Understanding the Deadlines
If your long-term disability claim has been denied by the insurance company, you can opt to file an appeal. However, it is important to note that there are strict deadlines and everything must be submitted during a specific window of time. When a deadline is missed in a long-term disability appeal, you will no longer have any option to remedy the situation. An experienced long-term disability lawyer will have in-depth knowledge about appealing denials and will make sure that all necessary paperwork and documentation is submitted ahead of deadline.
Expertise of the Appeal Process
Appealing a long-term disability denial can be quite overwhelming and confusing if you don't know what you are doing. If you're unable to work for an extended period of time due to illness or injury and you're counting on long-term disability to provide a financial safety net, the last thing you want to do when appealing your denial is make a mistake. You can count on your long-term disability lawyer to understand the entire appeals process and take care of all of the details for you. This can give you the peace of mind of knowing that your appeal is handled correctly by an expert in the field.
Avoid Dealing with the Insurance Company
Dealing with an insurance company that wants to deny your claim can be an enormous hassle. If you're injured or ill, the last thing you probably want to do is spend hours on the phone trying to get your appeal resolved. Luckily, if you hire a lawyer, you won't have to deal with the insurance company at all. Your long-term disability lawyer will take care of all communication on your behalf and will work hard to have your claim approved.
For more information, contact law firms like Iler and Iler.Share