Long-term disability insurance protects you from losing your income if you are unable to work due to a serious health condition. A long-term disability plan is typically obtained through your employer, but you can also opt for a private plan purchased directly from the insurance company.
Long-term disability (LTD) lawyers can assist you in filing a claim or appealing a denial of benefits. Filing a claim can be a stressful and confusing procedure, especially if you are attempting to file your claim while managing your health. Legal assistance can be beneficial in a variety of ways, from making a claim to preparing an appeal for benefit denial.
A Long-Term Disability Lawyer Can Compare Your Policy to the Facts of Your Case
Long-term disability insurance policies differ from one another. It is, therefore, essential that you grasp the terms of your individual policy. Your insurance will include variables such as the definition of disability that you must meet in order to get payments. The amount you will receive in monthly payments may be subject to additional restrictions or conditions. All long-term disability policies are unique, even if they are issued by the same insurance carrier, so it is critical that you understand the conditions of your personal policy.
A long-term disability attorney can help you build your case around your policy and your condition. They can analyze the facts of your case and compare them to your policy to see if you should file for LTD. If you do, they will be able to advise you on the best types of evidence for your claim.
Allow a Long-Term Disability Lawyer to Help You Navigate Complex Law
If you have long-term disability coverage through your employer, the Employee Retirement Income Security Act, or ERISA, will apply to your claim. ERISA is a complicated area of law that typically benefits insurance companies and claimants may find it difficult to understand. As a result, having an experienced lawyer on your side can be advantageous.
In ERISA cases, the administrative appeal is frequently the last chance to provide fresh evidence. If you are unaware of this and fail to provide the required proof, you may be unable to bring a successful lawsuit in court. A lawyer can help you navigate these ERISA roadblocks.
Laws in your particular jurisdiction may also apply to your claim. You may lose your right to take your case to court if you do not file an appeal within the statutory deadline. A long-term disability lawyer will be able to assist you in staying on top of these deadlines.
The Insurance Company Can Be Held Accountable to the Terms of Your Policy by An Attorney
When it comes to dealing with long-term disability claims, insurance companies do not always follow the rules. If an insurance company takes too long to handle a claim or appeal, claimants who are unfamiliar with long-term disability law are unlikely to notice. A lawyer will document how your insurance company may be violating the terms of your policy in case your case is taken to court.
Call Cunnane Law Today for a Free Consultation about Your Claim
If you would like to speak with a member of our legal team about your long-term disability claim, please contact us online or give us a call. Our offices are conveniently located in Edmonds, WA, and we’re ready to help.
Note: This information was provided not for any specific claim and is written in broad and general terms and may not be the right path to follow for a particular claim or case. This information is not intended to create an attorney client relationship. It is always best to receive direct legal counsel for your legal issues. It is never too early to call the attorney, but it can be too late.