Three Reasons To Consider Hiring An Attorney For A Long-Term Disability Insurance Claim
If your employer carries a long-term disability insurance policy or it is a component of your employer's workers' compensation policy, you may be in a situation where you will need to file a claim. However, it may be more difficult than you imagine, or it turns out to be easy, but you didn't get the maximum amount that you should have received for your injury. In this latter case, you may not be aware that you received a lot less than you should have. Your best course of action is to consult with a long-term disability attorney to see what they may be able to do for you. The following are just a few things they are likely to offer you.
Then can maximize your benefits
People often confuse long-term disability insurance with disability benefits from the Social Security Administration. The latter is a government program, and your benefits are tied to your Social Security benefits. This disability payment will be a portion or all of your benefits. In essence, you are receiving early benefits before you retire. This means there is no negotiation over the amount, so you don't need an attorney for this. However, there can be a wide range of benefits from a private sector insurance company, and they will do everything possible to pay you the least amount. You have a better chance of maximizing your benefits with legal representation.
They can reduce the chances of your claim being delayed
Your chances of having a claim delayed increase without an attorney, if only due to a better chance of the insurance company negotiating in bad faith. They may delay your benefits by asking for unnecessary paperwork or information that is not related to your claim. If you have an attorney from the beginning, there is less chance this will happen because a lawyer will know when to cry foul. Your paperwork will be in order, and the insurance company will be hard-pressed to delay your claim.
They can reduce the chances of you helping the insurance company
If you don't have any experience with an insurance company, navigating your claim can be difficult. They may ask for information that is not relevant to your injury, but this information will be helpful in denying your claim, and your claim is denied for reasons that are not valid. An attorney will be aware of what they are trying to do and will understand that they do not need this information.
Some people will wait and hire an attorney after they have been denied benefits, and certainly, this is a time when you need to hire a lawyer. But there are many advantages to having one from the start. They can stop delays in an insurance company processing your claims and prevent you from providing them with information to be used against. They can also maximize your benefits.