When you’ve suffered an injury that prevents you from working, the loss of income can take a significant toll on you and your family. Long-term disability benefits are designed to bridge the gap when you can’t work for an undefined period of time. However, these benefits may not always be easy to secure, which is why you should seek the counsel of an experienced long-term disability lawyer in Texas.
J. Price McNamara: Disability, Life, AD&D Insurance Attorneys know that the laws governing long-term disability often do not favor injured individuals. That is why we advocate for our clients to ensure that they have the help they need when they need it the most. An insurance claims lawyer in Texas uses their extensive knowledge of the law to help provide effective solutions that get favorable results despite potential roadblocks.
How J. Price McNamara: Disability, Life, AD&D Insurance Attorneys Can Help With Your Long-Term Disability Claim
Hiring a Texas long-term disability lawyer from J. Price McNamara: Disability, Life, AD&D Insurance Attorneys can be in your best interests when you are unsure how to proceed with your claim or you feel like your claim has been unfairly denied. Long-term disability benefits are supposed to help ease your stress rather than cause more of it. As such, our team ensures that you can exercise your rights to apply for benefits or appeal a denial.
Unfortunately, the margin of error is slim in these types of cases because insurance companies look for any reason they can to avoid paying you your benefits. With the help of our team, we work to provide solutions to resolve or prevent potential challenges. Our experienced team has handled many long-term disability benefits cases, so we know what to say and do to find the most effective path forward.
In addition to aggressively fighting for you, we also provide you with compassionate support. We understand what is at stake for you and your family when you are dealing with lost income, medical expenses, and everyday bills. Our team spends time listening to you and getting to know your case so we can identify obstacles and gather evidence to support your claim or appeal.
For a free legal consultation, call (225) 201-8311
What’s Covered By Long-Term Disability Insurance
When hiring a lawyer, they can walk you through what disability insurance is and how it works. This important ERISA benefit helps injured employees when they can’t work due to their injury. It allocates a percentage of their regular income to disability benefits to offset the decrease in earning potential. A Texas short and long-term disability insurance guide can provide details about what to expect.
Every long-term disability policy is different, so definitions and qualifying disabilities may change. Policies may also have different exclusions that can impact an individual’s ability to recover benefits. These are important details to review and understand when you’ve been injured. Hiring a lawyer to look over your policy can provide added clarity as they counsel you on your options.
When applying for benefits, you will need to follow all steps outlined in your insurance plan, adhere to deadlines and waiting periods, and submit medical records and other forms of documentation with your claim showing your condition. You will also need to provide information about your income so insurance companies can calculate the amount of benefits you may be entitled to receive.
Common Reasons for Long-Term Disability Benefits Denials
Unfortunately, there are many reasons why an individual’s long-term disability benefits may be denied. Incomplete claims and missed deadlines are common contributing factors. Failing to provide enough medical documentation can be another. Insurance companies will also look at whether or not you’ve engaged in activities that contradict your claim. Unfair tactics can also be a reason for denial.
At times, the insurance company can seem like a force to be reckoned with and leave you feeling helpless. However, with the help of an experienced lawyer, a long-term disability denial is not the end of the road for many individuals. They review the reason for your claim denial, which the insurance company will provide along with their decision. From here, they will determine your right to an appeal.
With their knowledge and experience, lawyers can leverage their resources and connections to create positive opportunities and outcomes that you may not be able to get on your own. Insurance companies are also more likely to take your claim seriously when you have the backing of a lawyer. As such, it’s important to consult a lawyer as soon as possible when pursuing long-term disability benefits.
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A Texas Long-Term Disability Attorney Helps You Understand Your Options and Protect Your Rights
If your long-term disability application was denied, you may be wondering what comes next for you. After your lawyer reviews the reason why your claim was denied, they will create a plan forward. If you are eligible to file an appeal, you will generally have 180 days to submit it after the insurance company issues your denial.
When filing your appeal, your lawyer will request your claim file from the insurance company. They will review the documentation included and work to collect additional evidence to support your claim and provide more details. Your lawyer will also provide a reason for the appeal and present an argument on your behalf.
The benefit of working with a lawyer during the appeal process is that they understand how to craft and communicate a strong appeal. ERISA appeals are often handled by the same insurance company that issued your denial, so your lawyer will fight for you to make sure that proper procedures are followed and that your appeal receives a fair hearing.
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Schedule Your Free Consultation With J. Price McNamara: Disability, Life, AD&D Insurance Attorneys
J. Price McNamara: Disability, Life, AD&D Insurance Attorneys is ready to fight for you when securing your long-term disability benefits is in question. A long-term disability attorney in Texas will prioritize your needs and put you first throughout your case.
We help you navigate the many requirements and strict deadlines involved in these cases so you can get a more favorable outcome. Schedule a free consultation to get help receiving your benefits.
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