When you can no longer work due to an injury, illness, or disabling medical condition, your long term disability (LTD) insurance policy should provide vital replacement income to make ends meet.
However, the claims process is extremely complex, and insurance companies frequently deny legitimate claims in order to protect their profits. If your LTD benefits were unfairly rejected, don’t simply accept the denial as the final word. A Beaumont disability lawyer can help.
The Beaumont Long Term Disability Lawyers at Marc Whitehead & Associates have more than three decades of experience overturning LTD claim denials and terminations. We know the tactics insurers use to avoid paying out on valid claims – and we know how to fight them. Contact us today to learn how we can help.
Don’t Let an Insurer’s Wrongful Denial Derail Your Disability Income
Insurance providers are motivated by cutting costs and not looking out for your best interests as a disabled policyholder. In stark contrast, our Texas disability lawyers are solely focused on protecting your rights through every stage of the disability appeals process:
- Thoroughly reviewing your policy details and initial claim to understand the reasons given for denial
- Requesting and closely examining your complete claim file to find any information that helps your case
- Gathering all supporting documentation like medical records, test results, and evaluations
- Developing detailed legal arguments to systematically counter and disprove the insurance company’s stated reasons for denial
- Putting together extremely strong appeals with clear and convincing evidence proving you meet the policy’s definition of disabled
- Forcefully advocating for you and representing your interests at any appeals hearings or court proceedings that may be needed
From initial filing through final resolution, our long term disability attorneys in Beaumont will manage all legal aspects so you can concentrate on what matters most – your health and financial stability while unable to work.
For a free legal consultation with a long term disability lawyer serving Beaumont, call 800-562-9830
Our Long Term Disability Law Experience
For over 30 years, our firm has focused exclusively on disability cases. This has allowed us to develop a deep understanding of this complex area of law.
Insurance companies know our firm has a reputation for vigorous disability advocacy. They understand we possess comprehensive knowledge of disability laws, policy details, claims processes, and exactly what evidence is required to prove valid disability claims.
Whether you need help filing an initial long term disability application or appealing a wrongful denial or termination of benefits, our Beaumont long term disability attorneys have the know–how, resources, and steadfast commitment to uphold your rights to disability benefits.
Beaumont Long Term Disability Lawyer Near Me 800-562-9830
Why Are Disability Claims Denied?
While insurance providers have a contractual duty to evaluate claims fairly and pay out legitimate benefits, they unfortunately often prioritize protecting profits over upholding their obligations to the disabled.
Insurers commonly utilize underhanded tactics to avoid paying claims, even for clearly disabling conditions.
Our long term disability lawyers in Beaumont have seen every angle they use, including:
- Lack of objective medical evidence
- Failure to follow prescribed treatment
- Pre-existing condition exclusions
- Inability to perform one’s own occupation vs any occupation
- Missed deadlines or insufficient information provided
- Subjective or non–verifiable conditions
- Policy exclusions and limitations
- Bad faith insurance practices by insurers prioritizing profits over valid claims
An experienced disability lawyer is crucial for providing persuasive evidence and appealing wrongful denials.
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Proving You Meet the Definition of Disabled Under Your Policy
To get your long term disability denial overturned, our experienced lawyers must build an extremely strong case clearly showing you meet all the requirements in your policy for being considered disabled, such as:
- You have a legitimate medical condition from an injury, illness, or other factors
- Your disability prevents you from being able to do the normal duties of your job
- You waited the required amount of time (elimination period) before filing for benefits
- You are following all treatment instructions from your doctors
- Your disability has lasted or is expected to last long enough to qualify
Insurance companies often try to find small reasons or inconsistencies to use as excuses for denying valid claims in bad faith.
Our legal team knows exactly what kind of evidence and documentation is needed to prove your disabled status and ensure the company can’t take advantage of any loopholes or act dishonestly to avoid paying you the benefits you are owed.
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Contact a Beaumont Long Term Disability Law Firm Today
Don’t let an insurance company’s wrongful denial derail your disability income and financial stability. The long term disability attorneys at Marc Whitehead & Associates have over 30 years of experience overturning improper claim denials and terminations.
We understand insurers’ bad faith tactics and know precisely what evidence to provide to compel approval of your legitimate LTD benefits. If your claim was unfairly rejected, contact our office for a consultation to learn more about how our firm can help you get the benefits you paid for and deserve.
We’ll review your case and fight to secure the vital disability income your insurance policy promises.
Call or text 800-562-9830 or complete a Free Case Evaluation form