Navigating the complexities of a long-term disability (LTD) claim can be overwhelming. The process becomes even more frustrating and daunting when you are faced with a long-term disability claim denial or termination. Disability insurance companies often employ tactics including duplicative requests, claiming they did not receive medical records, or outright ignoring your calls and emails.
Having a dedicated long-term disability denial attorney by your side can relieve some of your stress and help keep your claim moving forward, though. If you’re not sure if you should hire an attorney after your LTD claim has been denied, you should know a few compelling reasons that will probably convince you to pick up the phone and talk to a lawyer today.
Expertise in Disability Insurance & ERISA Law
The Employee Retirement Income Security Act (ERISA) governs most employer-provided disability insurance plans and introduces a layer of complexity to disability claims. Disability Insurance and ERISA regulations are intricate, and non-compliance can jeopardize your claim.
A long-term disability insurance attorney with expertise in ERISA law will understand the nuances of disability insurance policies, interpret complex legal jargon, and act on your behalf, effectively making their knowledge and experience your own. This insight is invaluable in preparing a strong case, as your attorney can identify and address any legal issues that may have led to your LTD claim’s denial—which also means spotting ways to challenge that denial.
Effective Communication with Insurance Companies
Insurance companies often have teams of lawyers, medical reviewers, vocational experts, and claims representatives whose primary goal is to minimize payouts. Without proper legal representation, you may find it challenging to effectively communicate and negotiate with these professionals.
A long-term disability denial attorney steps into your shoes and acts as your advocate, handling all communications with the insurance company. They know the tactics disability insurers use to deny claims and can counteract these strategies. While it cannot be guaranteed that hiring a lawyer increases your chances of a successful case, it can be said that a lawyer acting on your behalf greatly reduces your risk of making serious mistakes that would benefit the insurer. Even saying the right thing the wrong way can cause problems for you, after all.
Comprehensive Evidence Gathering and Presentation
A critical aspect of appealing an LTD claim denial is presenting compelling evidence to support your claim. Important pieces of evidence could include medical records, expert testimonies, and detailed documentation of your condition and its impact on your ability to work.
An experienced long-term disability attorney knows what evidence is necessary and how to gather it efficiently. For example, if your claim was denied due to insufficient medical evidence, your attorney can coordinate with your healthcare providers and even independent medical evaluators to secure comprehensive reports and testing that substantiate your disability. They might even be able to arrange additional medical exams to get more information about your disability.
When to Call a Long-Term Disability Insurance Attorney
Facing a long-term disability claim denial can be daunting, but you don’t have to go through it alone. Hiring a long-term disability denial attorney provides you with the experience, advocacy, and resources needed to navigate the appeals process. At Dabdoub Law Firm, we are committed to helping you secure the benefits you deserve.
Lawyers with Expertise in Disability Insurance Claims
This law firm has always focused only on disability insurance law. Because we specialize in long-term disability, our clients get the benefit of:
- Having an attorney who is an expert in long-term disability claims;
- Having an attorney who has experience with every major disability insurance company; and
- Being backed by a law firm that has a proven track record of winning tough disability lawsuits.
Call the Dabdoub Law Firm to get experienced disability lawyers on your side. We can help with:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
The firm represents clients nationwide with disability claims governed by federal law, even if we are not located in your state.
Call (800) 969-0488 or contact us online to speak with an experienced disability attorney. Pay no fees or costs unless you get paid.