When you can no longer work and the insurance company you’ve been paying for years denies your claim for benefits, it feels like a betrayal. That’s because it is. If your Long Term Disability claim has been denied or cut short, Marc Whitehead & Associates is ready to step in and fight to get you the benefits you’re owed.
Disability law is all we do, and we’ve been doing it since 1992. Our Lake Charles disability lawyers bring 120 years of combined experience and double board certification to every case we take on. If your benefits have been denied, call us today to talk about your claim and get started with a Lake Charles Long Term Disability lawyer.
How Our Lake Charles Long Term Disability Lawyers Can Help You
Insurance companies spend millions building systems designed to deny and delay claims. They have adjusters and handpicked doctors all working toward the same goal: protecting their profits at your expense.
Going up against that kind of machine on your own is an uphill battle you shouldn’t have to fight alone. That’s why our Louisiana disability lawyer are here to help. Here’s what our attorneys will do to support your claim after a denial:
- Review your policy and denial letter to pinpoint exactly why your claim was denied.
- Work with your treating physicians to strengthen your claim with solid medical evidence.
- Communicate with the insurance company and other relevant parties on your behalf so that nothing you say can be used against you.
- Challenge biased independent medical exams with credible evidence from your own doctors.
- Manage deadlines and procedural requirements of the Employee Retirement Income Security Act (ERISA) law so nothing falls through the cracks.
- Build and file a comprehensive appeal that addresses every reason your claim was denied.
- Take your case to Federal Court if necessary.
With more than 2,500 five-star reviews from clients across the country, we’ve proven time and again that we know how to win these cases. Whether your claim was recently denied or your benefits were suddenly terminated, we have the experience and the track record to take on your case and fight for the outcome you deserve.
For a free legal consultationwith a long term disability lawyer serving Lake Charles, call (800) 562-9830
Why Long Term Disability Claims Get Denied
Unfortunately, many insurance companies are in the business of collecting premiums rather than paying claims. When it comes time to actually deliver on their promise, they look for every possible way to say no.
Here are some of the tactics and justifications our Long Term Disability insurance lawyers in Lake Charles see used against claimants every day:
- A doctor hired and paid by the insurance company examined you and concluded your condition isn’t as severe as your own physicians say.
- The insurer says your medical records don’t prove your condition is serious enough to keep you from working.
- The insurer is using an out-of-context post from your social media account to build a case against you.
- Fine print in your policy excludes or limits coverage based on a pre-existing condition.
- You missed a deadline you may not have even known existed.
- Your policy switched from covering your own occupation to any occupation, and the insurance company is using this shift to argue that you can still earn a living.
These are just a few of the excuses that insurers use to deny valid claims. Our LTD lawyer in Lake Charles will carefully review the reason for your denial and gather the evidence required to push back on it and get the results you deserve.
Lake Charles Long Term Disability Lawyer Near Me (800) 562-9830
Conditions That Can Qualify for Long Term Disability Benefits
Your Long Term Disability policy is supposed to protect your income when a serious medical condition keeps you from doing your job. Insurance companies like to act as if very few conditions meet that threshold, but the truth is that many do.
Some of the most common conditions our Long Term Disability attorneys in Lake Charles help clients with include the following:
- Mental health conditions, including depression, anxiety, and PTSD
- Cancer and side effects from ongoing treatment
- Autoimmune disorders
- Chronic pain and fatigue syndromes
- Back, neck, and spinal injuries
- Stroke and complications from strokes
- Heart disease
- Traumatic brain injuries (TBIs)
- Neurological disorders such as multiple sclerosis and Parkinson’s disease
- Fine motor impairments that prevent physicians, dentists, and surgeons from practicing
If a condition is preventing you from working and your insurance company has denied your claim, don’t take their word for it. Instead, reach out to our firm and get compassionate assistance from a dedicated legal team.
Evidence We Use to Fight Your Long Term Disability Denial
A denied claim doesn’t mean you don’t have a case. It usually means the insurance company didn’t get the evidence they needed, or they chose to ignore what you originally submitted. When we take on your appeal, we build a file that leaves no room for excuses.
Here’s what our Long Term Disability insurance lawyers in Lake Charles will use to appeal your denied claim:
- Your medical records and complete treatment history
- Detailed statements from your treating physicians
- Diagnostic testing, including MRIs, CT scans, and bloodwork
- Independent medical opinions that counter the insurer’s hired doctors
- Mental health evaluations
- Prescription records showing the severity and progression of your condition
- Vocational assessments proving you cannot perform your job or any comparable work
- Employer records, including job duties
- Statements from family members and coworkers about how your condition affects your daily life and physical abilities
Get Started With a Free Consultation Today
You paid for your Long Term Disability coverage in good faith. If your insurance company isn’t holding up its end of the deal, you deserve someone who will make them. Marc Whitehead & Associates has been doing exactly that for over 30 years.
Contact us today to schedule a free consultation and learn more about your legal options. We’ll meet with you to discuss any questions you have about your case and explain what our Lake Charles Long Term Disability lawyers will do to help you during this stressful time.
Call or text (800) 562-9830 or complete a Free Case Evaluation form