Legal procedures, no matter what they are about, can be annoying to deal with. Dealing with a long-term disability is no exception. Between the tons of paperwork, legal jargon, strict deadlines, and the fear of rejection, it is not surprising that people give up on their first try, and some do not even attempt to file a claim. However, a delayed claim is better than not getting paid at all.
If you have a long-term disability and are unable to perform your work duties, resulting in the stoppage of income, it is only a matter of time before you will run out of money. After all, the thought of fighting an insurance company can be intimidating, especially when you are suffering from a medical condition. This is why it is recommended to hire a disability claims attorney.
When should you contact a long-term disability attorney?
- When you are too stressed to handle a claim on your own.
Suffering from a medical condition, such as kidney disease or nerve damage, or a severe mental health condition, like depression, can be life-altering. You are already stressed about how your condition is going to change various aspects of your life. It may be difficult for you to handle a legal claim, deal with the insurance company, fill out paperwork, meet deadlines, etc. An attorney can help you lower your burden.
- When your claim has been denied.
It is easy to feel hopeless when your claim gets denied for the first time. However, it is not uncommon because such legal claims are complex, and it is easy to make a mistake. The insurance company initially denies many successful claims. Instead of giving up, work with an experienced attorney to ensure you get the benefits to which you are entitled.
- When you suspect your claim may be denied.
Sometimes it is obvious when an insurance company is going to deny your claim. If you believe your claim is not strong enough and the insurance company is behaving like they are going to reject it, do not waste time dealing with the situation alone. Talk to an attorney immediately to strengthen your case and gather evidence to solidify your case.
- When you do not know what questions to ask.
Asking the right questions and gaining the critical information you need can be the difference between winning and losing the claim. If you are unsure what to ask or where to begin, it is good to put an experienced attorney on the case.