Long-Term Disability Claims
The processes of claiming long-term disability (LTD) benefits can be extremely confusing and even more frustrating. Often, employees whose disabilities make it impossible for them to continue working find that their coverage is far less than they expected. Many have their claims denied outright and do not know how to navigate the additional complexities of the appeals process. Experienced long-term disability insurance lawyers can provide invaluable assistance at all stages of the claims process.
How a LTD Lawyer Can Help
A skilled long-term disability lawyer can help improve the chances of your claim being resolved favorably by:
- Analyzing your situation and developing a strategy even before your claim is filed
- Assisting you with filling out claim forms
- Reviewing your medical records and recommending any additional doctor’s visits or medical tests that might make your claim stronger
- Counseling you to avoid the pitfalls that insurance companies sometimes use to deny your benefits
- Documenting the continuing eligibility of your condition
- Filing an administrative disability appeal quickly if your claim is denied
- Preparing evidence and obtaining expert witness testimony
- Taking the case to court, if necessary
Questions for Your Long-Term Disability Lawyer
Lawyers who exclusively handle LTD cases have heard it all when it comes to claims awards and denials. Some of the important issues you want to discuss with your long-term disability insurance lawyers include:
- How did your disability occur? We can help you document what was responsible for the disability. Insurance companies sometimes try to avoid paying these claims by contending that your condition resulted from a previously known chronic illness.
- How long must you wait before claim payments start? Long-term disability insurance policies differ in this regard, but we are familiar with many policies.
- How much money will you receive? A long-term disability lawyer can make sure that your benefits are calculated and paid correctly.
- What other insurance policies may cover this event? If more than one insurance company may be responsible, you need a knowledgeable long-term disability lawyer to evaluate how to resolve your case.
- What if you are only partially disabled? The details of coverage for partial disability are often specified in confusing language in the fine print of your insurance policy. A long-term disability insurance lawyer can help make sure that you get as much as possible under the terms of the policy.
Speak to our Long-Term Disability Lawyers
If you have been denied LTD benefits or have questions about your eligibility, contact the long term disability lawyers at Eric Buchanan & Associates, PLLC for assistance with all issues related to your claim.
