Long Term Disability Claim Lawyer
Innumerable people must leave their jobs every year due to sudden and developing disabilities. Most employers offer some form of insurance ensuring financial protection in the event of a disability that leaves them incapable of returning to work. These policies are called long term disability claims.
It's very likely that you pay - or have been paying - into to it every month. You are probably told that if something should happen to you that you will receive a portion of your salary for a specified amount of time. Unfortunately, when the time comes to claim your money for a disability, the standard response is flat out rejection. And the sad truth is that many people simply accept it. They don't attempt to consult with a long term disability claim lawyer who, in a large number of cases, would very likely be able to get the claim processed.
Why do the insurance providers almost always automatically reject claims? It's all about the profits. It's easier to just reject it and wait to see if the claimant engages the services of a long term disability claim lawyer. Usually the amount of money paid out is somewhere between 35-60% of your usual pay. Multiply that by the number of claimants every year and you get the idea of the kind of profits they're trying to keep. They depend on the fact that a lot of people just give up after the first rejection.
A lawyer that works specifically in the area of long term disability claims can look over your case and tell you if you have any recourse. Not only will he or she interpret criteria in your long term disability claim, but will also determine if a breach of contract or bad faith claim has occurred. Your long term disability claim attorney will spend significant portions of his or her time reviewing state laws that apply to your case. He or she will gather evidence and review prior actions taken by the insurance company to try to show a pattern.
Insurance companies have a long list of dirty tricks they've found very useful in discrediting claimants ailments. They refuse to allow the results of independent medical exams, relying rather on their own doctors who often never even meet the patient. They put restrictions on the part of the information the claims administrator has access to while attempting to make a decision.
They play it like a game and they play it ruthlessly. This is why it's imperative that you consult with a long term disability claim lawyer and find out if your claim was unfairly rejected. After all, it's your money, and you deserve every last cent of it.
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