You may become disabled to work for many reasons. That’s why the insurance company suggests buying long-term disability insurance. However, it may not be as easy to obtain, as it may seem. To get the benefits from your long-term disability insurance, you will need to hire an attorney because a single mistake in meeting the deadlines, filling up forms or giving out information can cancel out your benefits. First, it is important to understand medical conditions that qualify for LTD before going further with the insurance.
Things that a lawyer can do for you
If the insurance company has refused your claim, getting in touch with an attorney can save you from a lot of hassles. Since he is well-versed with the rules and rights, he can assist you in the following areas:
- Preparing LTD claims for a lawsuit
If you want to file a lawsuit against your insurer, you need to take legal assistance because you may have limited options after you have exhausted all your options with the insurance company and he has refused your claim. Your attorney can review your case along with the medical condition. He will prepare your claim based on the medical reports and your condition. Moreover, he will obtain the supporting documents from your health care provider and the physician to ensure no stone remains unturned to get you the benefit you deserve.
- Contacting experts
Depending on your case and claim, an attorney may contact an expert such as a vocational expert to testify your job requirements as per the job market. You should not rely on the testimony of vocational experts hired by the LTD carrier.
- Representing your case
After hiring an attorney, you can live a stress-free life. He will prepare your case, interact with the LTD carrier, investigate the case, gather medical reports and supporting documents, file the initial application, negotiate with the insurance company and if needed, file a lawsuit against the company.
Time to hire an attorney
It is important to know when you need to contact an attorney for your LTD claim. If you have bought LTD insurance and have become disabled, you should get in touch with an attorney to understand how to proceed to obtain the benefits. Since he has immense knowledge in this field, he can suggest the suitable steps to be taken after you are unable to continue working.
To find the best attorney nearby you, you should make an online search.
