Why hire a Long Term Disability insurance lawyer? Video Overview

In this video Marc Whitehead, A Board Certified Disability Attorney, discusses why you should hire a Long Term Disability Insurance Attorney.
Most people who are victims of a disabling condition never thought they would also be a victim of their insurance provider. Many well known insurance companies would much rather not pay on a disability claim. Instead they will resort to very effective tactics in efforts to protect their bottom line. Most people have employee sponsored disability insurance plans. These types of policies are controlled by Federal ERISA laws, where the deck is stacked against the disabled claimant.
Because of strict ERISA regulations, policy holders have few rights. Insurance companies know this and are skillful at taking advantage of the loopholes in the law. Without representation from a Long Term Disability lawyer with advanced training and experience, the insurance companies decision of denial is likely to be upheld. In contrast, individual disability insurance policies are bought privately by individuals directly from an insurance agent. These policies are typically used by executives, attorneys, doctors, dentists and others who realize that if they become disabled they need a source of income replacement in order to survive financially.
Claims for individual bought insurance coverage is controlled by state contract laws. These laws do pride a large amount of protection for policy holders. Even so, regardless of the merits of the claims insurance companies often do no honor the contract.
Insurance is big business and they will seize any opportunity they can to deny claims. When insurance companies don’t play fair do not give up. You need a highly qualified disability lawyer that’s experienced with dealing with multi-million dollar insurance companies.
Marc Whitehead & Associates is a national disability insurance attorney with over 20 years of experience. Allow us to analyze your policy, evaluate your case, and give your critical legal advise to help you win your claim.