When you become disabled, you might be tempted to handle your claim independently. That’s usually a mistake. Many people wait until their disability claim has been denied before obtaining legal counsel. A long-term disability insurance attorney at Marc Whitehead & Associates can help you navigate the complexities of the filing process. We serve clients nationwide, and our number one goal is to help you get the cash benefits you are entitled to and need.
Here are five top reasons why you need a long-term disability lawyer.
1. Disability Law is Complicated
The Federal Employee Retirement Income Security Act (ERISA) governs long-term disability insurance provided by employers. Unfortunately, what seems like a straightforward case on paper often does not turn out that way.
Think of it this way: Without an attorney, it’s you vs. a big insurance company. With an attorney, you have a professional in your corner with disability law expertise. It levels the playing field.
2. Avoiding Common Mistakes
By hiring a disability lawyer, you can avoid the common mistakes frequently made by those deciding to go it alone. For instance, by involving a disability lawyer in the benefits application process from the beginning, you don’t have to worry about errors in completing the paperwork.
It’s no coincidence that the paperwork is often hard to understand. Insurance companies often design applications that are complex or obtuse. It makes it easy for an applicant to make a mistake and the insurer to deny benefits. That is not a problem when you have an attorney completing the paperwork.
Since denial appeals have strict timelines, an attorney will also ensure that all deadlines are met. Missing a filing deadline could mean your case is closed.
3. Gathering Evidence
You cannot rely on the insurance company to gather evidence for your claim. A long-term disability attorney knows what is necessary and how to collect it. That includes hiring vocational experts to testify about the requirements of your particular job or the labor market.
4. Focus on Your Health
People with long-term disabilities have health issues. While those issues vary, you are not well enough to work and may never be able to hold a job again. Rather than struggle with the insurance company, your lawyer will handle these matters. You can focus on your health and well-being.
5. Acting as Your Representative
The bottom line is that a disability lawyer acts as your representative and protects your interests. They file the application, as well as any appeals, and negotiate with the insurer for a settlement. You have someone you can trust to help you get the benefits you deserve. Letting an attorney fight for you means a lot less stress on your part.
Contact a Long-Term Disability Lawyer
An experienced long-term disability attorney at Marc Whitehead & Associates is with you every step of the way, working to obtain the benefits you need and deserve to live a comfortable life. Schedule a free, no-obligation consultation today. Because we work on a contingency basis, you pay no fee unless we win your case. We look forward to hearing from you.