Helping You Obtain Your Long-Term Disability Benefits
When applying for long-term disability or facing denial of a claim, Disability Insurance Law Group can assist you. We have more than 50 years of combined legal experience in helping disabled individuals locate the benefits they deserve. Our attorneys can assist you in applying for long-term benefits. We also provide representation when appealing a denial. Because we understand what is at stake, we will aggressively fight for you.
What Does Long-Term Disability Insurance Cover?
Due to illness or injury, individuals are often unable to work or raise money to help support themselves and their families. Some illnesses and injuries can prevent individuals from working for months or even years. In some instances, the financial loss forces individuals and families from their homes. For this reason, it is important to have long-term disability benefits available.
Long-term disability insurance provides financial benefits should you suffer from a disability lasting more than six months. Such benefits will pay up to 70 percent of your salary for as long as a disability lasts. Long-term policies also, in some instances, allow for coverage for hospital stays.
Reasons For Denial Of Long-Term Disability Claims
Long-term providers often deny claims for a large number of reasons. The insurer may claim there is no medical evidence to back up your claim. Denial can occur due to a missed deadline. The insurer may claim you are not meeting policy terms. And there is such thing as a bad-faith denial.
Examples of bad-faith denial can include:
- Insurer denying a claim without providing an explanation for the denial
- Delays in approving a claim (the waiting period for acceptance of a claim is long under the best of circumstances)
- An insurance company not honoring the terms of its policy
- Failing to communicate essential information to the policyholders regarding a claim
- Providing an inadequate offer to settle a claim
- Failure to enter into negotiations regarding claim disputes
It is important to understand that you can appeal a bad-faith denial of your long-term disability claim. The lawyers at DI Law Group have decades of experience representing policyholders in appealing a claim denial. We will be there at your side until a final decision is rendered.
Assistance In Applying For Long-Term Disability Benefits
Ideally, there will be a timely acceptance of your application. However, this can prove difficult if you do not understand what insurance companies are looking for when you apply for benefits. It is advisable to receive legal advice before submitting your application.
We can help you avoid the common pitfalls that result in denial of your application. Because of our knowledge of the process, we know how to file a complete and correct application while at the same time meeting all applicable deadlines.