If you’ve become disabled and are suddenly unable to work, you have the right to file a long-term disability claim. For those who are not well-versed in ERISA laws, the application process can be confusing and difficult — and as a result, claims often end in denial. Having a long-term disability attorney on your side can make all the difference. Here are five reasons why:
1. Increase the Chances of a Favorable Decision
A long-term disability lawyer knows how the process works and what you need to do in order to better your chances of receiving a favorable outcome. An experienced attorney will answer all your questions and guide you on the following important factors related to your case:
- Medical documentation to prove your disability
- How to prepare for your IME (Independent Medical Exam)
- Proper filing of forms to meet deadlines
- How to handle your claim if you are collecting SSDI (Social Security Disability Insurance)
- How to handle an appeal if your claim has been denied
2. Support Through the Process
You have enough to worry about with your illness or injury. Filing a long-term disability claim on your own will only add more stress to an already challenging situation. Having an attorney to support you and handle the “red tape” can ease your fears and concerns.
3. You Don’t Have to Face the Insurance Companies Alone
When it comes to long-term disability, insurance companies are tough and you can’t afford to make any errors. Insurance claim representatives are trained to find the slightest mistake in your application to stamp it “denied.” It’s also not uncommon for insurance companies to take advantage of those who don’t understand how the law works. An experienced long-term disability attorney will be able to recognize if the insurance company is using “bad faith” tactics, which would otherwise go undetected by those who may not understand all their rights.
4. Ensure You Meet Important Deadlines
When you go through the long-term disability process, failing to meet deadlines can set your case back for months — or even worse — render you a denied claim. In some cases, you may be forced to start the entire application process all over again. Hiring an attorney can help to make sure that you submit all documentation on time.
5. Handling a Claim on Your Own Can Be Detrimental to Your Case
Filing for long-term disability claim on your own stacks the odds of receiving an approval against you. The process is tedious and complex. Having a long-term disability attorney walk you through the process is paramount to a favorable decision.
An experienced long-term disability lawyer will ensure that your case is handled efficiently so you can receive the benefits you deserve. You don’t have to face your insurance company alone no matter where you reside. As an experienced ERISA law firm, we can handle all cases throughout the United States. Contact Dabdoub Law Firm today at (800) 969-0488 to schedule a consultation.