For the uninitiated, long-term disability insurance pays a part of a person’s income, if they cannot work because of a disabling health concern. The cost of long-term disability insurance can be paid by the employer, employee, or both. One can also purchase a plan from companies that offer disability insurance. While we hope not, if you end up in a financial mess and lose your income because of a health issue, you will need to file for a long-term disability claim. Anything that involves insurance companies is rarely easy to deal with. In this post, we are sharing more on why you should consult a long-term disability attorney and ways in which they can help.
Do you really need an attorney?
While there is no compulsion for you to hire an attorney for your claim, you may want to talk to one. Insurance companies have their own ways of handling long-term disability claims. Eventually, these are companies that make money through premiums, so settlements obviously are a hindrance. There are several reasons why you may want to consult a long-term disability attorney –
- To know the details of your long-term disability coverage
- To know more on the definition of disability
- To know the amount that you can expect in monthly payments
- To know the duration of these benefits
- To deal with a denied claim
What to expect?
Not all attorneys deal with long-term disability claims, and it makes sense to work with one you can trust for their expertise. The first meeting with an attorney doesn’t have to cost anything, and you can discuss all relevant aspects of your disability claim, to know what to expect. It’s a common myth that people only need an attorney if their claim has been denied. While that’s true, you may also want to consult a lawyer, just to know where you stand with your case. They can also offer insight on whether your disability claim is backed by enough evidence.
Finding the right long-term disability attorney
You can always ask around to find attorneys that you can trust. Websites like Avvo are really handy for sorting choices, and you can rely on reviews posted online to compare different law firms. Many long-term disability attorneys don’t charge a fee, until and unless you get the benefits that you are entitled to, and that’s a huge advantage.
Check online for a long-term disability attorney soon after you figure out your circumstances. Their expertise can be handy for getting your claim to the next level.