Denial of Disability? Get Compensated with a Long Term Disability Lawyer

Denied disability? It may help to get a long term disability lawyer. Contact TSF Law today for more information.

It is nerve-wracking to deal with a disability while worrying about your financial situation. Most people get private insurance to have back-up for such situations. Companies also provide group insurance coverage to aid employees during a time of need. However, the current system is still unclear and a high percentage of insurance claims still get denied for numerous reasons. If you are one of those people with denied disability, it would be best to get a long term disability lawyer to help.

How can disability insurance help?

There are two basic disability types, one is short-term or temporary and then the other long-term or permanent. Short term disability refers to injuries or illnesses that are severe enough to keep a person from work, but are curable. The other type refers to severe cases that are essentially curable to an extent, but cause permanent damage to a person’s work capabilities.
When a person is deemed unfit to work, it can cause a lot of financial strain since he or she cannot earn a regular paycheck. Added to this are the medical expenses you need to pay. Disability insurance covers a part of the financial loss an employee gets when he stops working. He is still going to be officially an employee of the company and will continue to receive benefits until he is capable of resuming his position. This is why a disability denied is a huge blow for many affected employees. This affects their entire lifeline and substantially changes their current lifestyle.

How to Get Disability Insurance

It is good to know that many companies provide group insurance to its employees. However, take note that the amount is equal for everyone. This means that individuals with higher paychecks need to get additional insurance coverage from private companies in order to cover the difference in compensation from their salaries. So basically, you either get insurance from your company or apply for one from a private insurance provider.
If you have coverage and have encountered a recent accident or sickness, you can apply for a claim by following the steps:

  • Get a disability appeal form and fill out the required information.
  • Gather the required supporting documents.
  • Get yourself an independent check from a qualified physician and get a written recommendation that you are unable to work for a period of time due to your condition.
  • Submit the form to the concerned offices.

After submission, patiently wait for a notice from you insurance company regarding their decision.

Appeal Denied: What to Do before hiring a Long Term Disability Lawyer?

These are the most common reasons why insurance companies deny claims:

  • Material misrepresentation or wrongly supplied information. When you fill out forms, always read through your supporting documents first to check for consistency. If any of the information supplied in your form is not the same on your supporting documents or are purely wrong, it will have a negative effect on your application.
  • Out of coverage charges are also common issues among applicants who are not familiar with their own insurance policy. Make sure to read through your policy or employee benefit handbook to find out if your current injury and the cause of it are within the scope of your coverage.
  • Insufficient or wrong documents are also grounds for disability denial. Ask your insurance company for a list of the requirements and clarify each of them with the officer before leaving. Make sure that you clearly understand what each item means and determine how to obtain them. Upon submission, check through the list again to see if you’ve missed anything.
  • Disabilities or injuries due to inappropriate behavior in the context of your policy are also bound for denial. For instance, work injuries are acceptable but injuries outside work due to reckless driving is not okay. Any type of injury due to negligence of the insurance provider is usually not covered because it is deemed avoidable.

If any of the above apply, comply with the company’s demands. If you have done what you could and the company still refuses to accept your appeal, it is time to get a disability attorney or long term disability lawyer to represent you.

Should I hire a denied disability lawyer?

If you only have a minor injury and your company is cooperating with you, the answer is no. However, if you have been appealing disability without any response from your insurance provider, it is time to escalate the matter. The advantage of having coverage is that you get access to financial aid immediately after getting injured. If you cannot take advantage of this, it is only lawful to take action especially if you are paying premiums diligently.
To file for a disability appeal to court for a denied claim, you need an experienced disability lawyer who can prepare your appeal documents and gather all the needed evidence. This is a very crucial step for the judge to determine whether your request is valid or not. Once the appeal is accepted and the defending party is summoned, you now have a legal case to face.
It is vital that you have a representing attorney to cite your claim because your insurance company will surely hire their own lawyers. Avoid being at a disadvantage by trying to handle things on your own. Contrary to popular belief, lawyers do not need large upfront payments anymore. With a contingency plan, you can legally get a lawyer to handle your disability appeals. We can offer you a free consultation: call us today at (905) 218-3668.