Benefits of Hiring a Long-term Disability Benefits Lawyer

Jul 20, 2017 by

No one plans on becoming disabled, yet many are forced to claim disability benefits at some point in their career. According to the Council for Disability Awareness, about one in four of today’s 20-year-olds have a chance of becoming disabled at some point before retirement. The average absence lasts 34.6 -36 months, which is long enough to deal a severe financial blow to those who are unable to work. In theory, long-term disability insurance confronts this problem by proving steady income payments to disabled individuals for a period of time. While payments typically comprise only 50-60% of the individual’s former salary, they often help with bill payments and medical expenses .

Unfortunately, long-term disability insurers are often reluctant to grant benefits to injured parties given the expense that it represents for their business. On occasion, insurers will deny appeals for invalid reasons, relying on the filer’s lack of legal literacy to avoid their claim. Thus, those who are denied long-term disability benefits by their insurer are advised to consult with a disability claim appeal lawyer, who can help them determine the validity of the insurer’s denial.

Reasons to hire a long-term disability lawyer

As the disability claim appeal lawyers with Fields Disability point out, it’s beneficial to hire a professional for the following reasons:

  • Lawyers understand the deadlines involved with the appeals process
  • Lawyers have experience with insurance company regulations and can craft a legal argument based on this experience
  • Lawyers are familiar with the potential interaction between long-term disability benefits, workers’ compensation benefits, and Social Security benefits
  • Lawyers can act as a buffer between you and the insurance company, allowing you to keep your personal life separate from your legal case

 

Overall, long-term disability lawyers can help alleviate your concerns by using their expertise to navigate the legal process and craft an excellent claim dispute.

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