If you can no longer work due to an injury, illness, or disabling condition, your private long-term disability (LTD) insurance should provide vital replacement income to make ends meet.
However, the claims process is complicated and insurance companies routinely deny legitimate claims to protect their profits. Don’t take their denial as the final word. A Lubbock disability lawyer can help you secure the disability you deserve after a denial of your claim.
For over 30 years, the Lubbock long-term disability lawyers at Whitehead & Associates have helped people fight improper LTD claim rejections. We fight to get Lubbock residents like you the disability income your policy entitles you to. Let us shoulder the legal burden of your LTD appeal so you can focus on your health and stability.
How We Assist Long-Term Disability Claims
Insurance companies are not on your side. They’re motivated to minimize costs by underpaying or outright denying LTD benefits, even for valid claims.
Our Texas disability lawyers are your dedicated legal allies, safeguarding your rights during the complex administrative appeals process and any subsequent litigation. We leave no corner unexplored.
Our firm handles your claim by:
- Conducting a thorough policy analysis and claims review to understand grounds for denial
- Requesting and scrutinizing your claim file to pinpoint favorable evidence
- Gathering supporting documentation such as medical records, test results, and evaluations
- Formulating legal strategies to dismantle the insurer’s assertions
- Preparing meticulous appeals with undeniable evidence of your disability
- Advocating forcefully at appeals, hearings, and court litigation if needed
We handle your entire claim from start to finish so you can remain focused on what matters most – successfully managing your disabling condition.
For a free legal consultation with a long term disability lawyer serving Lubbock, call 800-562-9830
Meeting High Standards of LTD Policy Definitions
To overcome a denial, our long-term disability lawyers in Lubbock must build a solid legal argument demonstrating you meet your policy’s strict disability definitions, such as:
- You suffer from a legitimate medical condition caused by illness or accidental injury
- Your disability renders you unable to perform the duties of your occupation
- You have satisfied the elimination period before benefits kick in
- You comply with all outlined treatment requirements and medical advice
- Your impairment has already lasted or is expected to last beyond the coverage period
Insurance providers frequently cite a lack of supporting evidence or inconsistencies as reasons for bad-faith denials. Our attorneys know exactly what proof is required and how to prevent insurers from exploiting you to avoid paying.
Lubbock Long Term Disability Lawyer Near Me 800-562-9830
Insurers’ Bad Faith Denial Tactics
While the specific excuses may vary, the underlying motivation does not – maximizing profits by avoiding paying out on as many claims as possible. Some of the most common bad faith practices our Lubbock Long Term Disability Attorneys encounter include:
- Lengthy delay tactics to frustrate claimants into giving up
- Misrepresenting policy provisions or cherry-picking evidence
- Excessive demands for redundant documentation and paperwork
- Negligence in handling claims and failure to conduct proper investigations
Click to contact our Lubbock Disability Lawyers today
Lubbock’s Experienced Long-Term Disability Law Firm
Whitehead & Associates has an impressive depth of experience handling long-term disability cases for claimants:
- Over three decades of experience with federal ERISA and Non-ERISA disability insurance law
- Achieved significant victories against major LTD insurance providers
- Dedicated focus on disability cases – not a general practice firm
- Attorneys who previously defended disability insurers know their tactics
- Millions of dollars recovered in wrongfully delayed/terminated benefits
Insurance companies respect – and dread – taking on our disability law firm. Your claim gets the utmost attention, diligence, and zealous advocacy it deserves. No legitimate LTD claim is too complex for our skilled legal team.
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Experience With All Major Insurers
Over our decades of experience, we’ve tackled long-term disability denials and terminations from all the biggest insurance providers, including:
- Aetna
- BlueCross BlueShield
- Cigna
- Guardian
- Hartford
- Lincoln Financial
- MetLife
- Mutual of Omaha
- Prudential
- Unum
- And many more major national and regional insurers
We know the tactics each company uses to wrongfully deny or terminate legitimate LTD claims. Our attorneys can pinpoint where the insurer acted in bad faith, cherry-picked evidence, or failed to conduct a truly impartial claim investigation.
Using this insider knowledge, our Lubbock long-term disability attorneys dismantle their objections using well-grounded legal arguments and compelling proof of your disability.
Contact a Lubbock Long-Term Disability Law Firm for a Free Consultation
Don’t abandon your rightful long-term disability benefits after being denied by an insurance company fixated on protecting its profits over your well-being. The accomplished disability lawyers at Whitehead & Associates possess over 30 years of experience successfully appealing improper LTD claim rejections.
We know the tactics insurers use and what evidence is required to satisfy your policy’s definition of disability. Our firm has achieved millions of dollars in recoveries for Lubbock residents whose valid claims were unfairly terminated or underpaid.
Let us bring our resources and experience to appeal your denial. Contact us today for a consultation from Lubbock’s preeminent long-term disability law firm.
Call or text 800-562-9830 or complete a Free Case Evaluation form