Many individuals receive disability benefits when they apply for an employer-sponsored benefits plan. Although these individuals, in theory, have disability insurance coverage, proving entitlement to those disability benefits is often an uphill battle for many people. In fact, insurance companies will look for almost any reason to deny claimants the benefits they need for disability. Being denied disability benefits on the first try is extremely commonplace.
Insurance companies have a strong incentive to deny applicants the benefits which they need. When insurance companies pay out large sums of money in disability benefits, they are not making money. Instead, they are losing it. The way these multi-billion-dollar insurance companies make (and keep) their money for the benefit of their shareholders is by collecting insurance premiums and keeping those premiums in-house.
When it comes to long-term disability claims, it is extremely important to have an experienced treating doctor on board with your claim. Having the right doctor on board increases the likelihood that you will be able to obtain the disability benefits you need. The Texas disability benefits lawyers at J. Price McNamara ERISA Insurance Claim Attorney can assist you throughout your claim for disability benefits and will work hard to help you pursue and obtain the benefits you need.
What Do You Need to Prove in Order for You to be Successful with a Disability Claim?
In order for you to be successful with making a claim for long-term disability benefits, you need to show that you are currently (and completely) unable to work. You must also be able to show that the reason you cannot work in any capacity is because you suffer from an injury or illness that prevents you from doing so. In most cases, the injury or illness is either long-term or permanent.
What is a Doctor’s Role When It Comes to Disability Claims?
When it comes to asserting a successful disability claim, health care providers play a very important role. A health provider – and specifically a treating doctor – must causally connect your injury/illness with your inability to work in any capacity. Moreover, your doctor must be willing to reduce that opinion to writing. Consequently, if you are interested in pursuing a claim for disability benefits, you need to make sure that your treating doctor is fully on board with your case and is willing to make a causal connection opinion, stated in writing – and to a reasonable degree of medical certainty.
If your current doctor is not on board with your disability case and is not willing to connect your long-term injury/illness to your inability to work, you may want to consider finding a different doctor who is willing to state such an opinion.
Speak to a Texas Disability Benefits Lawyer Today
Proving a successful claim for disability benefits is a hard task. However, having the right health care provider on board in your disability case can make your task easier. At J. Price McNamara ERISA Insurance Claim Attorney, our knowledgeable legal team can assist you with proving your case and getting you the benefits you need. To schedule a free case evaluation and legal consultation with an experienced Texas disability benefits attorney, please contact us online today.
Following graduation from Loyola Law School in New Orleans in 1990, Price McNamara served as a Federal Judicial Law Clerk to the Honorable John M Shaw, Chief Judge, United States District Court Western District of Louisiana.
Mr. McNamara founded J. Price McNamara ERISA Insurance Claim Attorney, and began putting his past experience to work for the injured and disabled clients he now represents against the insurance companies in personal injury and long term disability and other insurance disputes in both federal and state courts