Disability insurance benefits could be important for any individual who is unable to return to work following a severe injury or illness. In some cases, long term disability (LTD) insurance may be the only available option for certain people.
If you believe you might be eligible to receive benefits for an extended disability, it could prove beneficial to speak with a Lafayette long term disability insurance lawyer and discuss your case. A dedicated insurance attorney could provide help through each step of the claims process and work with you to build a persuasive claim.
The Employee Retirement Income Security Act (ERISA) holds insurance companies to certain rules and standards regarding the handling of disability claims. This includes adhering to deadlines and providing sufficient notice regarding the claims process to individual policyholders. While there are certain kinds of benefit plans to which ERISA does not apply, many individuals have protection under this act. A claimant’s specific insurance plan should provide information regarding the steps they would need to take to receive long term disability benefits.
In some cases, an individual might first receive short-term benefits for their disability. As their name suggests, these benefits may only last for a limited duration, so a person with a more severe illness or disability may still require long-term benefits. A Lafayette attorney could help review a claimant’s plan and highlight important details for how to properly seek long term disability insurance.
To successfully receive long term benefits, an individual must be able to prove that they do in fact have a disability. Typically, this entails providing an insurance company with information regarding their medical condition when they file a claim.
It is in a policyholder’s best interest to submit as much relevant evidence as they possibly can in such an application. As an example, the following may serve as documentation of a disability:
It is not uncommon for an applicant to face a denial on their initial application for disability benefits. If a person decides to pursue an appeal for reconsideration, it might be beneficial to speak with a long term disability insurance attorney in Lafayette prior to commencing the appeals process.
Many individuals might not realize that the records submitted during the appeals process may be the only records that a judge would review if the case goes to court. Since individuals often may not be able to submit additional evidence for consideration in a lawsuit, it is typically vital to submit all relevant evidence during any prior appeals.
If you have a disability benefits plan, you expect your benefits to be available to you when you need them most. If an insurance company wrongfully denied your claim, consider speaking with a Lafayette long term disability insurance lawyer for help.
An experienced attorney could assist you in complying with the rules and procedures of the claims process and help you gather evidence that would help ensure your application or appeal is as persuasive as possible. Whether you are considering filing a claim or have already received a denial, call today to get started on your case.
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