Louisiana Long-Term Disability Insurance Lawyer
Many people count on long-term disability insurance to provide assistance when a disability prevents them from working in Louisiana. However, whether you paid for coverage on your own or obtained coverage through work, it can be difficult to know where to turn for help if you have difficulty obtaining benefits. Fortunately, state and federal laws provide protections for those covered under most long-term disability plans, along with the means to enforce those protections.
It may be wise for you to consult a knowledgeable Louisiana long-term disability insurance lawyer to learn exactly what you may be entitled to under the terms of your plan and the means to obtain those benefits. An insurance attorney familiar with long-term disability issues could advocate on your behalf at all stages of a claim to help you move forward with your life.
The Rules Vary When It Comes to Long-Term Disability Insurance
Different laws and rules apply to long-term disability insurance depending on how the policy was obtained and whether a claim involves benefits provided through Social Security. For instance, if an employee is seeking long-term disability benefits through a plan provided by an employer, a set of federal laws established under the Employee Retirement Income Security Act (ERISA) would govern any claim they made.
If someone files a claim through a workers’ compensation program, on the other hand, the rules could be quite different. Furthermore, if the claim is made through a policy the claimant purchased directly with an insurer, the claim may be handled more as a matter of contract law than any other area of law. So, it is important to work with a disability insurance attorney in Louisiana who is familiar with the type of claim at issue.
Claim Denials May Be Based on Different Factors
As a matter of regular business practice, insurance companies routinely deny many long-term disability insurance claims in an effort to cut costs. The denials may be based on a variety of different factors. However, some of the most common reasons center around lack of evidence and/or lack of qualifying disability.
In some cases, employees may have medical conditions that meet the standards for disability, but they did provide enough evidence to demonstrate those conditions or how the conditions prevent them from working. It is essential to collect as much medical evidence as possible before submitting a disability claim, particularly statements from physicians explaining how a medical condition relates to job duties.
In other cases, an employee may submit a variety of evidence, but the insurance adjusters decide that the condition is not one which meets their standards for disability. While these types of denials may take a little more effort to appeal, it is definitely possible to create credible arguments showing why a condition should qualify under the definitions of disability in a particular plan.
Consult with a Louisiana Long-Term Disability Insurance Attorney Today
A condition that causes long-term disabilities can make life very difficult, and it may be even more discouraging to find out how difficult it can be to obtain the long-term disability benefits that you were expecting to see you through the tough times. However, a Louisiana long-term disability insurance lawyer could help.
An experienced attorney could evaluate your situation, explain your options, and help you work to achieve the appropriate benefits. To learn what could be possible in your situation, call today to schedule a consultation.