Do I Need a Long-Term Disability Lawyer to Fight a Claim Denial?
By working with a lawyer to fight a long-term disability denial, you can significantly improve your chances of successfully appealing the denial and getting the benefits you’re owed.
Dealing with a long-term disability (LTD) denial from your insurance company can be a daunting and frustrating experience, especially when you’re not feeling your best.
A disability lawyer can make the process as stress-free as possible by filing all paperwork involved with an appeal, handling communications with the insurer going forward, and keeping you updated as your appeal progresses.
In many cases, a denied disability claim is considered bad faith, meaning that the insurer failed to uphold its duty to deal fairly with the policyholder.
Compensation from a successful appeal can help you pay for basic living expenses, the cost of medical treatments, and more while you’re unable to work.
The long-term disability lawyers in the LawFirm.com network have recovered over $127 million for policyholders who had their disability claims unfairly denied.
Get a free case evaluation now to see how they may be able to help you pursue the benefits you deserve.
How a Lawyer for Long-Term Disability Can Help
A long-term disability denial lawyer can handle all aspects of your appeal and fight to get you the benefits you’re owed.
An insurance company may be more likely to reverse your claim denial if it knows that you have legal representation.
Here’s how a long-term disability lawyer can help with an appeal:
- Collect evidence: A disability lawyer can assemble a legal team to obtain medical records, test results, and other evidence establishing that a claimant is unable to work, as compelling evidence is needed to overturn a claim denial.
- File an appeal: Disability lawyers are well-versed in the appeals process and can ensure that an appeal and documents needed to further support your LTD claim are filed correctly and before any deadlines.
- Represent a client in court: A long-term disability lawyer may be able to fight for a policyholder in court and present evidence as to why a claim was wrongfully denied.
A long-term disability denial lawyer will use their knowledge of disability law and years of experience in getting appeals overturned to advocate for policyholders facing an unfair claim denial.
When to Contact a Long-Term Disability Attorney
A long-term disability attorney can help policyholders navigate the appeals process if a valid claim has been denied.
You only have a limited amount of time to file an appeal, so it’s important to contact a lawyer as soon as possible after a claim denial.
Tip: As soon as you receive a denial letter from your insurance carrier, consult with a long-term disability denial lawyer. Time is of the essence, and the sooner you involve an attorney, the quicker they can start reviewing your case, gathering evidence, and planning a strategy to heighten the chances of a successful appeal.
Policyholders may also benefit from legal help at any time during the appeals process. If at any point you’re feeling discouraged or unsure about your appeal, a long-term disability denial attorney can examine your policy and see if they can help you.
4 Qualities to Look for in a Disability Lawyer
If you’re unable to work because of an illness or injury, you may be worried about how you’re going to pay your bills or afford medical treatments. For that reason, finding a skilled long-term disability lawyer to overturn an unfair claim denial is crucial.
Here are some traits to look for in a disability attorney:
- Experience: A long-term disability denial lawyer should have extensive experience with disability insurance claims, including appealing wrongful claim denials and fighting unfair denials in court.
- National reach: Attorneys at national long-term disability law firms are able to take cases in all 50 states. They also have access to resources like support staff and databases of information that can help reverse a claim denial.
- No upfront fees: Some long-term disability lawyers take cases on a contingency fee basis. Under this fee arrangement, clients do not pay any hourly or upfront fees. Instead, they pay a percentage of any compensation the attorney secures for them at the conclusion of the case. The client pays nothing if they don’t get any compensation.
- Successful track record: Knowing a lawyer’s success record is essential. Read testimonials posted online about the attorneys you are considering, and ask any lawyers that you interview about the results that they have achieved in long-term disability cases similar to yours.
Each long-term disability denial lawyer that LawFirm.com works with has all four of these qualities and more. Plus, they’ve secured over $127 million for clients with unjustly denied disability claims.
See if you may be eligible to work with an experienced long-term disability attorney.
Get Help From a Long-Term Disability Insurance Denial Attorney
Finding the right long-term disability denial lawyer to help with an appeal is a crucial step in securing the benefits you deserve.
The disability lawyers that we work with have secured more than $127 million for policyholders who had their claims for benefits wrongfully denied.
These attorneys never charge any upfront or out-of-pocket fees, and they can take cases in all 50 states.
Long-Term Disability Lawyers FAQs
What percentage of long-term disability claims are denied?
About 67% of LTD claims are denied, according to the U.S. Social Security Administration.
A long-term disability denial lawyer can help policyholders facing an unfair claim denial secure the benefits they’re owed.
What is a letter of appeal for long-term disability?
A long-term disability appeal letter is a letter sent to a disability insurance company requesting an appeal of a claim denial. The letter should explain why the insurer should reconsider its decision and include documentation supporting your claim.
A disability insurance lawyer can send a letter of appeal on behalf of a policyholder.
What is the most a disability lawyer can charge?
Long-term disability lawyer fees are likely to differ from one lawyer to another. For example, some disability lawyers charge hourly fees, while others may charge a flat rate for a job.
The long-term disability lawyers in the LawFirm.com network work on a contingency fee basis, meaning that they never charge any upfront fees. Instead, they get paid by taking a percentage of any money they recover for clients at the end of a case. If they don’t secure any compensation, the client pays nothing.
Before you agree to work with a long-term disability denial lawyer, make sure you understand how they bill fees.
How can an attorney prove my need for long-term disability benefits?
Disability insurance attorneys use different types of evidence to prove that a person is entitled to LTD benefits.
This evidence may include:
- Medical records
- Statements from treating physicians
- Documentation of work history and job duties
- Long-term disability insurance policy documents
Why are long-term disability claims denied?
Long-term disability insurance claims can be denied for many reasons, including:
- Errors in the application or supporting documents
- Failure to meet the policy’s definition of disability
- Lack of medical evidence establishing a disabling condition
- Missed deadlines for filing claims
- Pre-existing medical conditions or policy exclusions
- Video footage countering a disability claim
In the event of an unfair claim denial, a long-term disability denial lawyer may be able to file an appeal on your behalf to fight for any benefits you may be owed.
How do I find disability lawyers near me?
LawFirm.com works with some of the best long-term disability lawyers in the country, and they can help clients in all 50 states. These lawyers never charge any upfront fees and have recovered over $127 million for policyholders wrongfully denied disability benefits.
Get a free case review right now and see if they can help you.