The Winning Edge For Hiring Long Term Disability Lawyers For Your Claim

The Winning Edge For Hiring Long Term Disability Lawyers For Your Claim
Businesswoman shaking hands with disabled colleague at desk in office

No one ever gives thought to long term disability claims until they become injured or ill and need these all-important services as they can no longer work, which places them in an unfortunate financial situation. By then, it is always too late to grasp everything that is required to make a long-term disability claim go through successfully and receive the required benefits without making any of the numerous mistakes common in most cases. There is, therefore, the choice to decide and carry the burden on your shoulder, keeping in mind that you are not in the best of conditions or seeking out a professional to provide relief to handling the claims.

For most people, this disability policy is made through their employer under the Employer Retirement Income Security Act of 1994, which is the basis for making the applications and consequential follow-ups. In such instances, a long-term disability and ERISA lawyer fits the profile of the partner you need by your side until the claim is paid. This is because there is always more than the filling of an application after receiving a letter from a doctor stating the extent of your medical condition or injury that is preventing you from performing job duties.  As such by hiring an experienced lawyer to guide you through the process, you get to save yourself from the inconveniences of;

  1.    Bad faith from long-term disability insurance companies

There are several ways that the insurance carrier will act unfairly, especially when they know they are dealing with an amateur who is handling the claims alone. The intent of these acts of bad faith is to buy as much time as possible while frustrating your efforts, which can make one give up or fail to beat the strict timelines for insurance claims. Among the ways this can be possible is requiring unnecessary information one cannot obtain at the moment, having invalid reasons for denying a claim and paying lower benefits that stated in the policy.

  1.    Use of unfair tactics to poke holes to the disability claims

Long term disability insurance carriers make their money by ensuring that they always minimize their burden, which is making the desired payments to everyone. As such, they are never short of tactics which they will use against your claim and include among others using third-party medical processors such as Medi-Copy to undermine the validity of the medical forms provided. They may also collect evidence which may damage the disability claim by portraying you in a bad light when it comes to the ability to perform your job duties.

The benefit of having a long term disability and ERISA lawyer is that for all these tactics, the professional always has suitable strategies for ensuring that these acts do not become a stumbling block to attaining the required benefits. It is essentially taking the path to victory as the insurance company will have their match in an experienced attorney who has a record for handling lots of similar cases. At a time when a lot is at stake, a level playing field is the perfect stage for ensuring that the future is not compromised.  

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