You are not required to hire a lawyer for long-term disability applications. However, the process is very complex. At Marc Whitehead & Associates, we believe that hiring legal representation is usually the wisest and most efficient choice. If you have a group disability plan from your employer, it is governed by ERISA. You need a team that understands the complexity of not only the application process but the appeal process as well. Contact us today for a free consultation.
It’s Easy to Make Mistakes on Your Own
Insurers with years of experience scrutinize these complicated application forms, seeking a basis to deny your claim. It’s easy to make a mistake. These forms often contain confusing language and legal jargon and offer little explanation. Further, the meaning of words such as “work-related” often have legal interpretations that are different from everyday usage. Answering a question incorrectly can result in the denial of your claim.
A disability lawyer begins by asking you questions about your illness or injury until they have a comprehensive understanding of your disability so that the forms are filled out correctly.
We can also advise you on how to cope with surveillance. Insurers often record applicants on video, do background checks, and monitor them on social media to confirm disability.
What Resources Do Disability Lawyers Have?
Your attorney will provide the insurer with an accurate and complete application that thoroughly explains your disability. Our lawyers have a team that gathers all the necessary documentation about your condition, including data from your treating physician that supports an accurate and credible diagnosis to satisfy the insurer.
For example, our vocational experts will attest to how your illness or injury prevents you from working. Your team will ensure your doctor includes those reports in the medical record to be submitted to the insurance company.
Advocating For You After You’ve Applied
Our lawyers for disability benefits continue to advocate for our clients in crucial ways after the benefits application. For example, the insurance company may require that you submit to an Independent Medical Exam (IME). This can be stressful because the doctor is someone you’ve never met and paid for by the insurance company.
However, we can assist you by:
- Preparing you for the IME by providing you with all the pertinent medical records to give to the doctor and advising you on your rights, such as bringing a witness.
- In addition, once you’re receiving benefits, the insurance company can demand ongoing proof of your disability and cut off benefits if it decides you’re no longer disabled. Your lawyer will refute that by a lawsuit and an appeal if necessary.
Contact Marc Whitehead & Associates for a Free Consultation
If you have a disability, you likely need those benefits now. Struggling through the process alone is probably not a good use of your time and resources when you should focus on your health and well-being. At Marc Whitehead & Associates, we fully understand insurance companies’ reasons, excuses, or tactics for denying claims.
At Marc Whitehead & Associates, we also know how much long-term disability means to the financial security of you and your family. We’ll diligently pursue the funds you deserve. You never pay an up-front fee to us. Call today for a free case evaluation.