A long-term disability claim helps you claim government benefits in case you are forced to stop working due to an illness or disability. The condition must be severe enough to prevent you from working and earning a living. A long-term disability claim or an LTD claim can help you get back on your feet and recover the financial resources you need to lead a good life.
You can get the benefits by filing a claim with your long-term disability insurance carrier. However, just like any other insurance benefit, getting your hands on the money is not easy. There is a long, time-consuming procedure to go through first. To increase your chances of getting approved, hire an attorney and consult them about the conditions that qualify for LTD in the United States.
When should you consult with an LTD attorney?
- Your claim has been denied.
It can be demotivating to see your claim denied after you spent days gathering documents and waiting for the benefits. Moreover, it can be difficult to manage your expenses without having an active income source. Many claims are initially denied by the insurance company due to small errors, which can be corrected. An attorney can ensure your disability claim is flawless.
- The insurance company is not giving you a fair deal.
Despite what they like to advertise, the insurance companies do not want the best for you. They will try their best to find an error in your disability claim and try to deny or at least devalue it. Having an attorney review your case will ensure that you get what you deserve. This way, you won’t miss out on the benefits or extra resources that the average person may overlook.
- You feel confused and overwhelmed.
Indeed, the disability claims process can be confusing and overwhelming. With so many different criteria to meet and documents to gather, it can be easy to make a mistake. The forms and insurance policies may contain ambiguous terms and often contain contractual loopholes, making it easy for insurance companies to deny claims. If your head is spinning, you need an attorney.
- You have been called for a hearing.
There is nothing more distressing than hearing that you have been called to a court hearing because of your disability claim. Going to court with a disability is a struggle in itself, and you also need to worry about presenting a strong case. Disability lawyers can help you show a strong front and train you on how to answer the questions in court.
Hire an attorney today.