You paid into your disability policy for years, expecting it to be there when you needed it most. Now that you can’t work, your insurance company is doing everything it can to avoid providing the benefits you’ve already earned. If your Long Term Disability (LTD) claim has been denied, Marc Whitehead & Associates is here to pursue what you’re owed
Our Lafayette disability lawyers focus exclusively on disability law. We have a double-board certified attorney, 120 years of combined experience, and a strong track record. Call us today to discuss your claim with a Lafayette Long Term Disability lawyer.
How a Lafayette Long Term Disability Lawyer Can Help You
Insurance companies have teams of adjusters, medical reviewers, and attorneys working to protect their bottom line. When your Long Term Disability claim is denied, you’re expected to handle this on your own.
Our Long Term Disability lawyers in Lafayette can handle every aspect of your case and provide the support you need to stand up to these parties and get real results.
Here’s what our LTD lawyer in Lafayette will do to help you:
- Analyze your policy and denial letter: We’ll break down the specific language in your policy, answer any questions you have about it, and identify where the insurance company got it wrong.
- Build a strong medical file: We will work with your doctors to make sure your medical records clearly support your inability to work.
- Handle all communication with your insurer: We will deal with insurers directly, so you don’t have to.
- Counter the insurance company’s medical exams: If the insurance company sends you to one of their doctors, we can challenge biased findings.
- Handle ERISA regulations: Most Long Term Disability policies fall under federal ERISA law, which comes with strict rules and deadlines that must be kept in mind.
- File your appeal: We’ll file a strong appeal that addresses every reason your claim was denied.
- Take your case to court if needed: If the insurance company continues to deny valid claims, we’re fully prepared to take them to Federal Court.
For a free legal consultation with a Disability lawyer serving Lafayette, call (800) 562-9830
Common Reasons Long Term Disability Claims Get Denied
Insurance companies don’t deny claims by accident. They have entire departments built around finding reasons to reject benefits, no matter how legitimate the disability is. Understanding why claims get denied is the first step toward fighting back.
Here are some of the most common reasons our Long Term Disability insurance lawyers in Lafayette see:
- Your medical records don’t clearly show how your condition prevents you from working
- Your policy shifted from an “own occupation” standard to an “any occupation” standard, and the insurance company used that to cut your benefits.
- The insurance company sent you to one of their hired doctors who minimized your condition to justify a benefits denial
- An investigator found “evidence” the insurer is using to argue you’re not really disabled
- Your policy contains pre-existing condition language that the insurer is using to limit your coverage
- You missed a filing deadline buried in your policy language
- The insurer argues you may not be able to do your own job, but you’re capable of performing some other type of work
Lafayette Long Term Disability Lawyer Near Me (800) 562-9830
Conditions That May Qualify for Long Term Disability Benefits
Long Term Disability benefits exist to provide important support when a medical condition makes it impossible to do your job. Insurance companies will try to argue that your condition isn’t severe enough, but the reality is that a wide range of physical and mental conditions can qualify.
Here are some of the most common qualifying conditions that our LTD insurance lawyers in Lafayette see:
- Back and spinal injuries
- Cancer
- Heart disease
- Neurological disorders
- Autoimmune disorders
- Mental health conditions
- Chronic pain and fatigue syndromes
- Traumatic brain injuries (TBIs)
- Stroke and complications after a stroke
These are just a few of the conditions that may qualify for disability benefits. If you’ve been denied benefits for one of these conditions or another disability, reach out to our Long Term Disability insurance lawyers in Lafayette to get the advocacy you deserve.
What to Do After Your Long Term Disability Claim Is Denied
Getting a denial letter can be nerve-wracking, but what you do next matters more than you think. The wrong move can hurt your chances of getting your benefits approved. Here’s what you should and shouldn’t do after a denial:
- Don’t panic, but don’t wait either, because you have a limited window to file an appeal
- Read your denial letter carefully so you understand exactly why the insurance company rejected your claim
- Stop communicating with your insurance company on your own because anything you say can be used against you
- Stay off social media since insurers actively monitor your accounts and look for things they can take out of context and use against you
- Keep up with all of your medical treatment because gaps in care give the insurer a reason to deny benefits
- Request your complete claim file so you can see every piece of evidence the insurance company used to make their decision
- Call a Lafayette Long Term Disability lawyer to get the assistance you need to file a strong appeal
Meet With a Trusted Long Term Disability Attorney in Lafayette
Your insurance company made you a promise, and they broke it. You don’t have to accept that. Marc Whitehead & Associates has been holding insurance companies accountable for over 30 years, and we’re ready to fight for you next.
Contact us today to schedule a free consultation and learn more about your options after a denial. We’ll meet with you to discuss your unique situation and explain what our Lafayette Long Term Disability lawyer will do to help.
Call or text (800) 562-9830 or complete a Free Case Evaluation form