Sudden and unexpected tragedies are an unfortunate reality of life. If you’ve had the foresight to secure long-term disability insurance, then you’re ahead of most people. Yet, far too often insurance companies either delay short- and long-term disability payments or outright deny claims. This is why it is critical to be familiar with the basics of disability insurance, but you also need to be prepared to make compelling legal arguments that demonstrate why you are justified in seeking and receiving an insurance payout.
It can be a daunting task, for sure, especially given the fact that insurance policies and payout policies are often overly complicated. There’s often a massive amount of paperwork that must be perfectly completed in order to ensure that your policy and your claim are valid. Just dealing with this paperwork can be overwhelming if you are already facing a serious medical condition. Fortunately, though, you can find help handling these matters.
A legal team that is skilled handling delayed and denied short- and long-term disability payments, like ours, can help guide you through the process starting with obtaining a policy in the first place. An attorney can help you understand what “disability” means when referenced in a particular policy so that you know exactly what kind of coverage you’re getting. In the event that you file a claim with your insurance company, a skilled attorney can also assist you in filing the necessary paperwork and, if necessary, appealing a denied claim or even taking the matter to court.
These issues can be highly complicated and aggressively challenged by insurance companies. They often try to push policyholders around thinking that those policyholders will take whatever is given to them. Don’t let this be you. Instead, be ready to fight back for what is rightfully yours. Consider seeking out legal help if you believe you could benefit from legal assistance in these matters.