While it may seem like you can handle filing an initial long-term disability claim on your own, it likely is in your best interests to get an attorney. The insurance company that provides you with long-term disability coverage is not impartial. It is a private company whose goal is to make as much money as possible, so its adjusters have a vested interest in denying as many claims as possible. By denying coverage, the insurance company does not have to pay out monthly benefits, often for a lengthy period, if not indefinitely. As a result, these insurance companies have no motivation or incentive to approve your claim for benefits, even if you technically should qualify for benefits.
Having an attorney to represent you can ensure that you provide all requested information to the insurance company upon your initial claim. This information should include a detailed verification of your medical conditions and how they impact your ability to perform your essential job functions. By building the most substantial claim possible from the very beginning, you may have a greater likelihood of success in obtaining the benefits that you need.
Furthermore, having an attorney involved from the outset of your claim can make the appeals process more accessible if you receive an initial denial of your claim. When an attorney already is familiar with your medical condition and your level of impairment, it can be easier to provide the evidence necessary for a successful appeal in the event of a denial of benefits. Legal counsel may be able to hold insurance companies accountable for denying valid claims for wrong reasons or otherwise failing to follow policies.
Obtaining long-term disability coverage can be essential to protecting your future. When you initiate a claim under this coverage, however, you need to be aware of your rights and responsibilities, which may necessitate the assistance of legal counsel. At Bonnici Law Group, we offer you client-centered representation at all stages of the long-term disability benefit claims process. When you need the kind of help that only an experienced long-term disability benefits attorney can offer you, contact Bonnici Law Group at 619-259-5199 or firstname.lastname@example.org.