Long-term disability insurance is designed to help provide a lawyer of protection that will help you with a source of income when you cannot work due to illness or injury. Unfortunately, taking advantage of long-term disability benefits is often more complicated than you might think. Sometimes, your claim is denied. Other times, your insurance company may cut off your benefits before you can return to work.
Handling your claim or claim appeal on your own can feel incredibly frustrating. At Mottaz & Sisk Injury Law, we have long-term disability insurance attorneys who are ready to assist you so you can get the help you need.
Long-Term Disability Denial Attorneys
Having your long-term disability benefits denied can be incredibly frustrating. You have a qualifying illness or injury that makes it impossible for you to handle your usual work responsibilities, and you cannot go back to work, but your coverage refuses to kick in. Our long-term disability insurance attorneys help you navigate that difficult road.
Learn More About Your Rights
At Mottaz & Sisk Injury Law, we have long-term disability attorneys ready to look over your insurance policy and get a better idea of your rights under the terms. How much of your usual income should you be able to receive while on disability? What conditions qualify for disability? Most of the time, long-term disability claims are governed by the Employee Retirement Income Security Act of 1974, or ERISA. However, if you have a private policy or government insurance, the policy may not apply. Our long-term disability insurance attorneys will help look over your policy to determine your rights based on its specific requirements.
File Your Appeal Quickly
Whether you have had a long-term disability insurance claim denied or your benefits have been terminated, you may need to file an appeal quickly in order to protect your legal rights and ensure that you have as much coverage as possible during this trying time. Our long-term disability insurance attorneys can help guide you through the appeal process and provide you with more information about your options for appealing the denial. By working with attorneys for long-term disability, you can often appeal your claim faster and more confidently.
Long-Term Disability Insurance Lawyers
Are you having trouble getting a long-term disability insurance company to pay out the compensation you deserve? Are you struggling to get the support you need? Our attorneys for long-term disability can help you navigate the complexities of a long-term disability insurance claim and increase the odds that you will get the full compensation you deserve.
Fight for the Assistance You Deserve
Long-term disability insurance is designed to provide a layer of protection when you suffer serious or life-altering injury or illness. If you cannot work, you need a source of income to help manage your ongoing expenses and your medical costs. Our long-term disability attorneys help you fight for the assistance you deserve when the long-term disability insurance company refuses to pay out what you deserve.
Navigate the Legal Complexities of Your Claim
The insurance company has attorneys for long-term disability on its side that are fighting to minimize the compensation you can recover as much as possible. You need a long-term disability appeal attorney on your side to help you navigate the legal complexities and avoid snares and traps put in place by the insurance company. A long-term disability attorney from Mottaz & Sisk Injury Law will help navigate any challenges the insurance company might put in your way.
What to Do if Your Long-Term Disability Claim Is Denied?
Facing a claim denial for your long-term disability benefits can be incredibly frustrating. However, a claim denial doesn’t mean you should give up hope. In many cases, our long-term disability attorneys have helped clients whose initial claim was denied recover the full compensation they really deserve from their long-term disability insurance provider.
Step One: Contact an Attorney for Long-Term Disability
If your long-term disability claim has been denied, working with a long-term disability attorney can help you get a better idea of your next steps and, ultimately, appeal your claim. You need a long-term disability insurance attorney who understands your specific needs and the challenges you may face: someone who knows long-term disability law and can help you navigate your claim.
Step Two: Review Your Policy
Your long-term disability benefits attorney can help you review the specific terms of your policy and what it should cover. You can often obtain a copy of the policy directly from your employer, in the case of employer-provided long-term disability insurance, or from the insurer, in the case of a private policy. An attorney for long-term disability can look over the details of your policy, including:
- When you should receive coverage after a qualifying event
- What counts as a qualifying event
- How long coverage lasts
- What steps you need to take in order to receive coverage, including what paperwork or information you should have submitted in order to apply for your benefits
The terms of your policy will dictate what coverage and compensation you can expect from your long-term disability insurance provider and lay out the steps you need to take in order to use that coverage. Talk to a long-term disability appeal attorney to learn more about the specific details of your claim and your insurance policy. A long-term disability benefits attorney may also be able to identify details of your coverage that you might not have noted on your own.
Step Three: Evaluate the Denial Letter
When long-term disability insurance coverage is denied, you should receive a denial letter from the insurance company that details exactly why your claim was denied.
There are several reasons why your long-term disability claim may have been denied. An attorney for long-term disability can help take a look at those reasons and guide you in your next steps, including what information you will likely need in order to appeal the decision and increase the odds that you will receive the full benefits you deserve.
Sometimes, the insurance company may deny your claim because you have not submitted the information needed to establish your right to a claim. You may have failed to provide copies of your medical records, or you may not have offered enough evidence, in the form of test results or statements from your medical care provider, to establish your right to file a long-term disability claim. In some cases, you might have missed vital paperwork, or someone else–a medical care provider or your employer, for example–may have failed to submit necessary documentation before the insurance company’s internal deadline. A long-term disability appeal attorney can help identify any missing information or documentation and help you pull it together.
Your long-term disability insurance provider may need clear evidence of how your illness or injury has impacted you and why you cannot work because of your injury or ailment. If your claim was denied for insufficient evidence, you may need to provide:
- Evidence of further testing
- Letters from friends and family members
- Expert testimony to help establish the extent of your limitations
- Written testimony from your care providers
Sometimes, by looking over the denial letter, your long-term disability attorney can quickly determine what additional evidence you may need to provide in order to seek the support you may need for a long-term disability claim.
Step Four: Collect Evidence or Supporting Documentation
Once you have identified why your claim was denied, you may need to provide additional supporting documentation that will establish why you deserve support through your long-term disability claim. Working with a long-term disability appeal attorney can make it easier to collect the documentation you need, since your attorney can help:
- Locate expert witnesses
- Get your medical records and other key documentation faster
- Identify the records you most need in order to help your claim go through smoothly
The more documentation you have regarding your claim, the better you can establish your right to long-term disability insurance benefits. Attorneys for long-term disability can help you learn more about those vital pieces of information and the steps you need to take to protect yourself. In addition, a long-term disability appeal attorney can help you keep on top of any vital deadlines and ensure that you submit all your evidence and other information in time.
Step Five: Appeal
Once you have collected the additional documentation and evidence necessary to support your claim, your long-term disability appeal attorney can submit that documentation and appeal the previous decision in your claim. While an appeal may take time, it’s often well worth it, since it can help you secure benefits that you might otherwise have missed out on while recovering from your injuries or illness.
Appeal Your Denied Benefits
Was your long-term disability benefits claim denied? Are you struggling with a disability related to injury or illness that prevents you from working while unable to recover the benefits you may deserve? Working with a long-term disability benefits attorney can help you appeal your denied benefits and get the compensation you deserve.
The appeals process can be complicated and frustrating, especially when you are already dealing with significant ailments and an ongoing struggle with your health. Our long-term disability insurance attorneys help simplify the process of seeking long-term disability benefits or appealing denied benefits. Contact Mottaz & Sisk Injury Law today for a free case evaluation that will help you better understand your rights, and the steps you need to take next in order to protect yourself and your right to coverage after a claim denial.