Should I Hire a Long-Term Disability Attorney?
January 29, 2024
Deciding whether to hire a long-term disability attorney is a significant step for individuals unable to work due to chronic health issues or injuries. The process of filing and being approved for long-term disability benefits can be complex and often overwhelming. Those facing this situation may find themselves grappling with the stringent requirements of insurance companies or the intricacies of policy language, which can be difficult to navigate without legal expertise.
An experienced long-term disability attorney, like those at Pisegna & Zimmerman, offer guidance and support in building a robust claim, often increasing the chances of obtaining a favorable outcome. These professionals are adept at handling appeals for denied claims, negotiating with insurance companies, and ensuring that claimants’ rights are protected throughout the process.
Securing representation may be particularly advisable when dealing with insurance companies that prioritize their interests. A lawyer well-versed in long-term disability laws, like those at Pisegna & Zimmerman, levels the playing field, acting as both a shield and a strategist for clients aiming to secure the benefits they are entitled to.
Understanding Long Term Disability Insurance
Navigating long term disability insurance can be complex. Essential aspects include understanding the specifics of policy coverage, grasping the eligibility criteria, and recognizing common reasons claims might be denied.
Policy Coverage and Benefits
Long term disability insurance policies provide financial benefits to individuals who are unable to work due to a qualifying disability. The specific coverage can vary, generally providing a percentage of the policyholder’s salary. Benefits often cover essential living expenses and may have provisions for partial disability or rehabilitation incentives.
- Percentage of Salary Covered: Typically, policies provide 50-70% of pre-disability earnings.
- Benefit Period: The duration of benefits can range from a few years to up until retirement age.
- Additional Benefits: Some policies may include cost-of-living adjustments (COLAs), survivor benefits, and waiver of premium benefits.
Eligibility and Claim Process
To qualify for benefits, policyholders must meet certain eligibility criteria set out by their insurance provider. The claim process generally involves submitting medical evidence of the disability, and proof of income, and going through an assessment period known as the “elimination period.”
- Elimination Period: The waiting time between the onset of disability and when benefits begin, usually ranging from 30 to 180 days.
- Medical Evidence: Doctors’ reports and medical test results must substantiate the disability claim.
- Proof of Income: Applicants must provide documentation of their current and past earnings.
Common Reasons for Claim Denials
Claims can be denied for a variety of reasons. Frequent causes for denial include disputes over the definition of disability, the severity of the impairment, or inconsistencies in the application.
- Not meeting the definition of ‘Disability’: Each policy has a specific definition of what constitutes a disability.
- Insufficient Medical Evidence: Inadequate or inconclusive medical documentation can lead to claim denials.
- Exclusions or Limitations: Certain conditions or limitations specified in the policy can result in non-payment.
When to Hire a Long Term Disability Attorney
Deciding whether to hire a long term disability attorney from Pisegna & Zimmerman relies on assessing the case’s intricacy, navigating insurance company maneuvers, and understanding the challenging appeals process.
Evaluating the Complexity of Your Case
If a person’s long term disability case involves complex legal or medical issues, it might be necessary to consult an experienced LTD attorney. Cases may require extensive medical records, expert testimony, and a clear understanding of federal laws. Legal guidance can ensure one’s case meets the required standards of proof.
Dealing with Insurance Company Tactics
Insurance companies often employ strategies that can unfairly deny claims. An aligned LTD attorney knows these tactics and how to counteract them, helping clients respond to claim denials and requests for additional information effectively. The legal team at Pisegna & Zimmerman can negotiate directly with insurers, relieving clients of a considerable burden.
The Appeals Process
Navigating through the appeals process can be labyrinthine and exhausting. Should a claim be denied, a qualified disability attorney from Pisegna & Zimmerman can be indispensable, providing guidance on strict deadlines and complex legal procedures. Our team’s expertise can increase the likelihood of a successful appeal and secure the benefits one deserves.
Selecting the Right Long Term Disability Attorney
When facing a long-term disability claim, securing an attorney who specializes in this field can greatly influence the outcome of your case. They will navigate the complex legal and procedural issues involved, and a carefully chosen legal professional can make a significant difference.
Qualifications and Experience
The attorney’s expertise in long-term disability (LTD) law is critical. Seek someone with a strong background in handling LTD claims, as this area requires nuanced knowledge of both state and federal laws. An attorney’s years of practice, along with their specialization in disability law, ensure they have a depth of experience that can be pivotal to the success of your case.
You’ll find the legal team here at Pisegna & Zimmerman all have many years of experience. With over 60 years of combined experience, our boutique firm allows us to take the time to give our clients the expertise and attention that their matter deserves.
Client Testimonials and Case Results
Reviews from past clients and case results offer valuable insights into an attorney’s effectiveness and client service. An attorney with a record of high compensation awards for their clients and positive testimonials is often a favorable choice. They can demonstrate a proven track record, suggesting they have the capability to secure the best possible outcome for your LTD claim.
Contact Pisegna & Zimmerman
At Pisegna & Zimmerman, LLC our clients are our main priority. We are a full-service law firm dedicated to obtaining the maximum amount of compensation from all available sources. Tell us about your situation so we can learn more about you and tell you how we can help. Call our office today and see how our team can help you!