Navigating the complex process of applying for short or long term disability benefits can be a challenging and overwhelming experience.
From gathering medical records and filling out forms to dealing with insurance companies and appealing denied claims, the process can be time-consuming and frustrating. That’s why hiring a long term disability attorney can be paramount in getting the benefits you need.
Here are some compelling benefits of hiring a disability attorney.
Experience and Expertise
Chances are, you’ve never had to go through the process of filing a disability claim before. Most people go their entire lives without navigating this process.
One of the key benefits of hiring a long term disability attorney with The Maddox Firm is the experience and expertise they bring to the table. Disability attorneys are familiar with the laws and regulations governing disability benefits, including Employee Retirement Income Security Act (“ERISA”), and they understand the complex and often confusing procedures involved in filing a claim.
Your attorney can help you understand the long term disability policy provisions, navigate the claims process, ensure that you fill out forms correctly, submit the necessary medical records and documentation, and meet all deadlines and requirements. They know what you need and how to present it in a way that supports your claim.
Building a Strong Case
A long term disability attorney can also help you build a strong case for your claim. They can gather and present medical evidence that supports your disability and its impact on your ability to work. This evidence can include vocational evidence, medical records, test results, and reports from doctors and other healthcare providers. Your attorney can also help you find healthcare providers unaffiliated with your insurance company or employer to offer an unbiased examination and professional opinion.
A skilled long term disability attorney can also help you prepare a statement that accurately reflects your symptoms and limitations, and how they affect your ability to perform your duties. They know the words to use and terms to highlight to convey your story effectively.
Handling Appeals
If you choose not to work with a disability attorney from the get-go, you should consider hiring one if your claim is denied. It’s a common misconception that STD and LTD claim denials are absolute. In reality, you have the right to appeal the decision.
Your attorney can review the reasons for the denial, identify any errors or omissions in the process, and gather additional evidence to strengthen your case. They can also help you navigate the appeals process, which can be complex and time-consuming, and represent you in court if necessary.
Communication and Negotiations
Experienced disability attorneys can communicate with the insurance company on your behalf, ensuring that your claim is processed quickly and efficiently. They can also help you understand your rights and protections under the law and advise you on the best course of action if your claim is denied or delayed.
Hiring a disability attorney can also provide peace of mind during a difficult and stressful time. You can focus on your health and recovery, knowing your case is in good hands.
If you’re considering applying for disability benefits or have had a claim denied, consulting with a disability attorney can help you get the benefits you deserve.
