Long Term Disability Claims
Long Term Disability (LTD) insurance should cover you if you become disabled as a result of an injury or illness, unfortunately insurance companies regularly deny valid claims for long term disability benefits. While you may be able to get by for a couple of months on your savings, you have an LTD policy because you knew you couldn’t survive for an extended period of time without an income. You’ve done the right thing by protecting yourself, the insurance company should be doing the right thing by paying your benefits, but they often don’t. At the Bonnici Law Group we assist sick and injured individuals in obtaining the insurance benefits they’ve paid good money for and are entitled to receive.
I Need to Apply for Long Term Disability Benefits
That is OK. At the Bonnici Law Group we understand that paperwork is the last thing you want to worry about when you are fighting an illness or dealing with a disabling injury. If you haven’t already applied for benefits and want assistance with completing your application for long term disability benefits, we are happy to help! We can help you:
- Complete the application
- Collect and submit supporting medical records
- Understand what to do if the insurance company requests a medical evaluation
My Application for Long Term Disability Benefits Has Been Denied
First and foremost, we want you to know that you aren’t alone and that the initial denial of your benefits doesn’t mean you aren’t entitled to benefits under your LTD policy. In fact, we think many disability insurance carriers routinely deny claims hoping you will just give up and go away. At the Bonnici Law Group, we refuse to let insurers win by denying valid claims. If your application for long term disability benefits has been denied, you need to act quickly. There are some important time limits that apply to your right to appeal the denial of your benefits and working with a talented long term disability attorney as quickly as possible will allow us to present the best possible argument in support of your claim.
Do I have to File a Lawsuit?
If the insurance company denies your claim and refuses to pay the benefits you are entitled to after you have filed an appeal, you will have the opportunity to file a lawsuit. What you may not realize is that the lawsuit will be filed in federal court, rather than state court. As a result you need an attorney that is comfortable working in federal court. At the Bonnici Law Group, we understand the differences between state and federal court and are happy to help our long term disability clients understand the process.
I Am Not Sure I Can Afford You
Don’t worry. If you need assistance with filing an application for disability benefits we regularly assist clients on a fixed fee basis or a reasonable hourly rate. We understand that being unable to work is negatively affecting your personal financial situation and we want to help you get the benefits you are entitled to as quickly as possible. If your claim has been denied and you need assistance with an appeal or lawsuit, we often handle our long term disability claims on a contingency fee basis. This means that we don’t get paid until we reach a successful resolution of your case and you don’t have to worry about paying us out of pocket.
Call Us Today
At the Bonnici Law Group we are committed to helping disabled individuals obtain the insurance benefits they are entitled to. If you or a loved one is unable to work, call us today to discuss the specifics of your long term disability claim.