What Can a Long-Term Disability Lawyer Do for Me?

Make the Initial Claim

Making the long-term disability, or LTD, claim with your insurance can be complicated. Various steps require legal experience, as mentioned in a recent post. There are a lot of forms that may take weeks to complete.

Once you submit the forms from your company, the process may seem time-consuming. They may not get back to you or ask for the same information as before. When this happens, it may seem obvious that the insurance company is intentionally delaying the claim.

An LTD lawyer will speed up the process. They’ll walk you through the complicated paperwork and demand feedback from the insurance company.

Give Experienced Oversight

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When you’re handed forms to sign, you often don’t read the fine print. This unawareness can result in an unfair collection of evidence. The company may secretly state that they can have access to specific personal records.

An LTD lawyer will handle all paperwork sent to you and have you sign what’s needed. An experienced LTD lawyer already knows the process, so burdensome papers won’t be a problem.

File an Administrative Appeal

There’s a chance that your insurance company denies your claim. If you haven’t hired a lawyer throughout the whole LTD claim process, now’s the time to do so. Filing an administrative appeal is time-sensitive and requires legal knowledge.

Without attention to detail, you won’t be able to tell if your insurance company is unfairly denying your claim. They’ll look over the company’s reasoning and analyze the legitimacy of the denial. An LTD legal representative will request all your files for this case and see if they match the denial.

If you deserve long-term disability benefits after the insurance company denied you, then a legal worker will submit the administrative appeal. They’ll collect all your records and claim that the insurance company unfairly denied you benefits.

File a Lawsuit

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If the insurance still refused to provide you with benefits, then an attorney will file a lawsuit and represent you in court. An experienced LTD lawyer must handle this process, as they’ll know how to represent you best.

A lawyer will read through the insurance companies policy on long-term disability and make claims based on what the company states. In court, a legal representative will know how to make meaningful claims based on all relevant evidence. It’s best to have a lawyer represent you so you can have the greatest chance at winning your case.

Conclusion

If you’re making a long-term disability claim, hiring a lawyer will protect you from unfair practices and give you the best results.They’ll walk you through the initial claim, file an appeal, and file a lawsuit if the company still denies your claim. An LTD lawyer will fight for your case using their legal experience.