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Why You Should Consider Hiring A Long-Term Disability Attorney

Why You Should Consider Hiring a Long-Term Disability Attorney

If you have long-term disability (LTD) insurance, then you know it is a safeguard against losing your income if you find yourself unable to work due to a disabling health condition. You can generally purchase a long-term disability plan through your employer or opt for a private one purchased directly from an insurance company.

Understanding Your Policy with a Long-Term Disability Lawyer

Understanding long-term disability policies is crucial due to their complexity and varying requirements, even within policies from the same insurer. These policies determine critical factors like the disability definition for benefits, payment amounts, and duration. A long-term disability lawyer can dissect your policy, assess its terms against your case, and recommend evidence strategies if your condition qualifies for a claim.

Navigating the Different Laws and Regulations

Laws related to your claim can vary depending on your specific insurance plan. Typically, if your long-term disability coverage is acquired through your employer, federal law such as ERISA (Employee Retirement Income Security Act) will likely apply. ERISA cases can be challenging to navigate. Having a seasoned attorney by your side is helpful. Additionally, laws in your jurisdiction may impose strict deadlines and appeal procedures in case of claim denials.

Ensuring the Insurance Company’s Accountability

An attorney can hold the insurance company accountable to the terms of your policy and applicable regulations. They know what rules apply to insurance companies and can ensure that they treat your case fairly and according to the rules. This can prevent unreasonable delays on claims and appeals and protect your rights to benefits.

Avoiding Common Mistakes and Gathering Evidence

It can be easy to make mistakes when handling your long-term disability claim on your own. A lawyer can help you avoid common errors, such as failing to understand your policy or using inaccurate language on your claim form. They can also help gather evidence for your claim, including medical records, doctor reports, statements from witnesses, and expert evaluations.

Taking on the Burden of the LTD Process 

Handling a long-term disability claim can be time-consuming and burdensome, especially when managing a disabling health condition. A long-term disability attorney can take on the burden of the process for you, ensuring that all necessary steps are taken and your claim is handled efficiently and effectively.

In summary, engaging a long-term disability attorney can offer significant advantages in managing the intricacies of submitting a claim or contesting a benefit denial. They bring valuable expertise in interpreting your policy, navigating intricate legal frameworks, ensuring the insurance company’s accountability, mitigating common errors, collecting evidence, and managing the entirety of the long-term disability process.

Contact Bonnici Law Group Today

Managing a long-term disability claim independently, particularly while coping with a disabling health condition, can pose significant challenges. Such claims are often time-consuming and burdensome. If you wish to explore options for your long-term disability claim with our legal team, please get in touch Bonnici Law Group at (619) 815-7790 to arrange a consultation and initiate safeguarding your future.


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