When Should I Hire Long Term Disability Lawyers?
If you are unable to work for an extended period of time, you should consult with long term disability lawyers who can guide you through the process of submitting a claim. You may be unsure of what to do. And when you’re unable to work, this can add to your anxiety. You don’t have to endure this situation alone. Contact the long term disability lawyers at CJ Henry Law Firm, PLLC for help.
Before You File a Long Term Disability Claim
Instead of waiting until you run into problems, consult an attorney before you file your claim. Long term disability lawyers can help you collect evidence, complete paperwork, and file your claim with the insurance company. If your claim is denied, an attorney can help you appeal as well. By working with an attorney from the beginning, you will have the best chance at a successful LTD claim.
You Have Questions About Your Medical Evidence
When you file a long term disability claim, you will have to submit a plethora of medical evidence. You may have to obtain medical reports from before your disability date. It can be difficult to obtain all of the necessary medical evidence. And if you don’t, your claim may be denied. Long term disability lawyers can organize your medical evidence and make sure the insurance company gets exactly what it needs to approve your claim.
Your LTD Insurance Company Acts in Bad Faith
All insurance companies, even long term disability (LTD) insurance companies are required to act in good faith according to the law. When they fail to give your claim proper consideration or deny you without cause, they may be acting in bad faith. You should contact long term disability lawyers if any of the following occur:
- Your LTD company requests information that is excessive, duplicative, or unnecessary.
- Your LTD company delays your claim for a period of time that seems unreasonable.
- The company denies your claim for invalid causes or reasons.
- You are receiving lower disability benefits than was stated in your LTD policy.
Your LTD Insurance Company Engaged in Unfair Evidence Collection
LTD insurance companies often hire investigators to collect evidence regarding claims. This may involve surveillance by the investigator. However, it’s important to know that you have rights even if an investigator is gathering evidence about you. Investigators must follow the law and cannot impose on your rights.
The LTD insurance company will be looking for evidence to deny your claim. They may seek information that contradicts what you have submitted to the company. If you are seen doing household chores or even bending to pick up paper, this evidence may be used against you. However, LTD insurance companies often show unfair evidence in video footage or pictures. That evidence may not show the whole picture where you obtained assistance or did not complete an activity because of pain. Long term disability lawyers can help you defend against unfair evidence that may have been collected by your insurance company.
Your LTD Insurance Company Delays Your Claim
Many insurance companies follow long drawn out procedures that can take a significant amount of time. However, if they are provided through an employer-sponsored plan, they must comply with ERISA and cannot delay unnecessarily. If your LTD insurance company is passing you around among agents or delaying a decision about your claim, then long term disability lawyers can step in and make sure they are acting in good faith. Sometimes a simple letter from an attorney will let the insurance company know that you are serious about your claim.
Your LTD Insurance Company Denies Your Claim
One of the most common situations where you should contact long term disability lawyers is if your claim is denied. You will have a certain amount of time to submit an appeal and additional information that may support your claim further. Long term disability lawyers can evaluate your claim and help you determine what type of evidence may give you a better chance upon appeal.
Contact Experienced Long Term Disability Lawyers Today
LTD claims can be complex. If you are already out of work due to a disability, the last thing you need on your plate is more paperwork and hassle. By working with long term disability lawyers, you can protect your rights and ensure the LTD insurance company treats you fairly. Contact CJ Henry Law Firm, PLLC today about your LTD claim.