When you suffer from a long-term disability, you may be wondering what steps you can take to get financial assistance. As you juggle physician visits, work demands, and family responsibilities, you must hire an attorney from The Law Office of Nancy L. Cavey to protect your rights and best interests. An experienced disability attorney serves as your legal ally. You can count on them to help you secure the benefits you deserve for your disability.
How Disability Insurance Can Help
If a disability affects your ability to work or do some tasks that your job requires, you may want to turn to long-term disability (LTD) insurance for help. If you suffered accidental injuries, chronic health conditions, or sudden illnesses and you cannot go to work for at least one year because of them, you should consider pursuing LTD benefits to supplement your lost income, ensuring you can continue to provide for your family and meet your monthly expenses.
When to Hire an LTD Attorney
The right time to hire an attorney depends on your circumstances, but your attorney can help in the situations below:
- When it is your first time applying for disability benefits. When you apply for LTD benefits, you must fill out some claim forms and submit them to the insurance company with the proper information such as doctors’ statements and medical records. Even a single mistake or failure to elaborate on your health condition could lead to the delay or denial of your claim. By hiring an LTD attorney from the get-go, you can prevent this from happening.
- If your claim is delayed. Filing for LTD benefits includes dealing with insurance providers. These providers are looking after what’s beneficial for them as a business. Thus, they want to find ways to try to pay you as little amount as possible or avoid paying anything to you altogether. They may request you to submit to them some unnecessary documents to try to delay your claim. Your attorney can get the attention of the insurer on this kind of behavior and get your claim resolved quickly.
- If your benefits are denied. A lot of LTD claims are denied during application. Although you have the right to appeal such a denial, it is usually challenging to follow the proper procedures and collect the necessary evidence. Your attorney can fill out the appropriate claim forms, collect evidence for you, and appear at administrative hearings for you.