Finding out that you are unable to return to work due to an injury that you suffered can be challenging to accept. Unfortunately, millions of Americans currently live with injuries or illnesses that render them disabled. If you find yourself in this situation, the next logical step to take is to file for disability benefits. Unfortunately, the process of filing a claim for benefits can be long and confusing.
Seeking help from a knowledgeable attorney can make a big difference when it comes to your ability to receive benefits. There are several reasons why you may need to hire a long term disability lawyer after suffering an injury that prevents you from working.
1. If Your Disability Claim Was Denied
Having your claim for disability benefits denied can feel like a major setback. Unfortunately, it is common for the Social Security Disability Administration and even private insurance providers to deny claims for benefits. If you are dealing with a denial of benefits, a skilled legal team can make all the difference.
Your attorney will be able to help you build a claim for compensation. They will be able to help you gather evidence, such as medical records and even statements from witnesses. Your attorney will be able to help you file all of the necessary paperwork and prove your claim for compensation. It is important to remember that even if your initial claim was denied, you still have a chance to appeal and recover the benefits that you are rightfully entitled to.
2. If You Do Not Understand Your Rights
Not understanding your rights can make the process of navigating a long-term disability claim incredibly confusing. Laws surrounding disability insurance and claims for benefits can be incredibly complex. This can make it difficult for claimants to know what steps they need to take in order to seek the benefits to which they are entitled.
An attorney by your side can help to ensure all of the necessary steps are taken. Your attorney will be able to guide you through the process of filing a claim for benefits. They will let you know what benefits are available to you after thoroughly reviewing your policy. They can help to explain all of the legal technicalities to you to ensure you do not face an unjust denial. Furthermore, your attorney will advocate on your behalf to ensure your best interest is protected throughout the entire claims process.
3. If The Insurance Company is Being Difficult
Dealing with an insurance company can be a frustrating experience, especially when you are already dealing with the challenges of a long-term disability. If you find yourself in a situation where the insurance company is being difficult, it may be time to hire an attorney to help.
It is all too common for insurance companies to claim that they never received any paperwork from you. They may also claim that you never notified them that an accident occurred. In some cases, they will deny your claim altogether by stating that you are not entitled to benefits. Dealing with any of these scenarios can be incredibly frustrating. Having an attorney in your corner can help you get the benefits to which you are entitled.
4. If You Are Not Sure Of What Questions to Ask
There are a lot of steps that you need to take when filing a claim for benefits through your disability insurance company. Unfortunately, the insurance company will not make the process of filing a claim any easier for you. Instead, they will wait for you to make mistakes during the filing process in order to wrongfully deny you the benefits that you need and deserve.
Not asking the right questions regarding what information is needed for your claim or what is required of you throughout the claims process can jeopardize your chance of recovering benefits altogether. For this reason, you should hire a legal team that will be able to help guide you through the complex filing process. Your attorney will be able to provide you with invaluable insight regarding what evidence is needed for your claim, the deadlines that apply to filing, and other information.
5. If You Are Being Pressured by the Insurance Company
If you find that the insurance company is pressuring you into accepting far less money and you are entitled to, it may be better for you to seek help from a lawyer who can handle communication on your behalf. It is all too common for insurance companies to try to pressure claimants into accepting a settlement that does not even provide them with adequate compensation for their injuries or disabilities.
Instead of accepting any offer that is presented to you, you should seek help from an attorney who will be able to negotiate compensation and benefits on your behalf. Your attorney will advocate for you to ensure you are able to maximize the amount of compensation you recover for your claim.
When it comes to filing a claim for long-term disability, many people find that the process is time-consuming and confusing. Rather than trying to take on this process alone, you can truly benefit from hiring an attorney who can help you navigate the process, answer questions that you may have, and handle insurance companies to ensure you are able to recover the full amounts of compensation and benefits to which you are entitled.
You should reach out to an attorney right away to ensure you are in the best position possible to protect your rights. Even if you have had a claim denied, it is not too late to seek help from a skilled legal team to ensure your appeal is properly handled. Dealing with a disability is stressful and overwhelming enough. You should let an attorney handle the claims process on your behalf so that you can focus on getting the care that you need without having to worry about your legal rights and best interests being protected.