Once you get injured or have contracted a terminal illness, it is important that you record your condition immediately with medical reports. You need evidence to validate your claim for disability benefits. Once approved, you can receive financial aid for vital living expenses, medical bills, and possibly a caregiver – if needed.
While this seems simple, not everyone is successful in requesting compensation. Submitting an application to your insurance provider is not a guarantee that you will be approved. Due to underlying issues, it is important that you know what to do and find a suitable lawyer to help.
What is a disability claim?
Disability claims are requests for compensation from insurance providers or insurers in the event that you contract a terminal illness or become disabled. The disability should be bad enough to make an employee unable to work. Your claim will be based on your medical expenses, your cost of living and any other related expense you might need to maintain the quality of life you have before getting injured or sick.
It should be noted that benefits are not limited to expense reimbursements. Some policies also cover an employee’s monthly compensation, meaning the insured can receive a part of their monthly salary for practical purposes. For a more specific list of benefits, you can refer to your policy.
Long Term Disability Claim Denied: What to Do?
It is a common occurrence for benefit claims to be denied. You should ask for feedback from your company if your application was not approved. If the issue is easily resolved; lacking documents or information, we advise you to comply with the requirements. If you think your denied long term disability claim was unreasonable, you can file an appeal for reconsideration. At this stage, you either choose to represent yourself or get a lawyer.
The best course of action here is to get a professional to represent you. There are many benefits to this:
- A lawyer will help you figure out the basic facts like the potential worth of your claim, the deadlines you need to follow, and the documents or requirements you have to submit.
- Experts also know the best way to present evidence and will guide you in collecting and presenting them for evaluation. Moreover, they can ensure that all documents you provide are in line with your goal.
- Attorneys for disability claims are best in determining the course of action once a situation becomes legally complicated. When the matters become difficult, you don’t have to worry about what to do next. Your attorney will be able to guide you and make sure you get the compensation you deserve.
Find a Long Term Disability Lawyer
To find candidates to approach, you need to be very selective:
Only choose firms that primarily deal with disability cases. Most law firms aim to widen their range and you might find some that have branches for your case. Just keep in mind that you should choose candidates with experience and a successful history. If you can find exclusive firms, the better.
- Disability claim lawyers are known to many because of their successful cases. You can check out publications about related cases and find out the representing lawyers. This way, you are sure that they have experience and all you need to do is see if they are willing to take on your claim.
- When choosing a firm or someone doing individual practice, ask about the experts they work with. This would be medical experts like license psychologists, vocational experts, doctors, and many others. Medical evidence is vital in any short or long term disability case, so you need highly-regarded experts to back you up. The more well-connected your attorney, the easier the case will be to handle.
- Lastly, choose firms that offer services on a contingency arrangement. This is financially easier for you and takes the financial worries while the case is ongoing.
Choose the Right Disability Attorney
There many considerations in taking precautions for disability benefits. The following are some points you need to know about your potential lawyer:
- It is good to ask if they are open to doing further medical investigations for the case. Laws do not permit you to add additional medical records once you file an appeal, but supporting reports from outside experts can be submitted by your attorney. It is a good sign if the disability denial attorney you found encourages this in order to strengthen your case.
- Get an idea of how the lawyer is planning to push your case. Veteran lawyers have handled many cases and will definitely have a standard process. Their knowledge will be vital in your approach, so you need someone whom you agree with. If your views do not align, consider finding another.
As always, give us a call at (905) 218-3668 and contact us today for more information and a free consultation.