Long-Term Disability Insurance Claims And Disputes | There Is Help For You
Long-term disability (LTD) insurance is frequently marketed as a product that will bring you and your family peace of mind. Should you become unable to work due to illness or injury, it will provide for your financial security. Unfortunately, many individuals are denied this compensation.
I am attorney Jon Michael Smith. At my Austin, Texas, law firm, I am committed to helping disabled persons receive the coverage they deserve. I have years of experience handling LTD claims and am well versed in the complexities of insurance law.
The Initial Claims Process
Applying for long-term disability insurance can be overwhelming. It requires submitting a series of complex forms — a large hurdle for those already struggling with an injury or an illness. When you retain my services, I will concentrate on the paperwork so that you can concentrate on your health.
There is a large difference between how the term “disabled” is commonly viewed and how it is defined in your insurance policy. That is why it is important to have a lawyer by your side who thoroughly understands these definitions. I will coordinate with doctors and other relevant personnel to provide your insurer with the most accurate, up-to-date information to support your claim. I will assist you in procuring medical records and ensure that any applicable deadlines are met.
Dealing With A Denial
Sometimes, no matter how well a valid claim is presented, it will be rejected by your insurance company. When this occurs, you will be provided with a letter detailing the exact reasons for your denial.
During our consultation, I will review this letter and inform you of your rights and options under the law. Depending upon the nature of your case, it may be possible to obtain benefits through an appeal or, if necessary, a trial. As an Austin disability claims denial attorney, I will provide you with the information and advocacy you need to make smart legal decisions and build a solid case.
Suing the Insurance Company
Sometimes it is necessary to sue your insurance company to recover the benefits that you deserve. I have sued many insurance companies over the last 25 years. I know the claims to make and the steps to take to ensure that you recover maximum value for your claims at the courthouse.
Consult With An Experienced Austin Insurance Attorney Today
When you are left without an income, it can be a stressful and frightening time. You want a lawyer who will assist you with your bad faith claim quickly and economically.
I am dedicated to proactive communication and affordable service. My compensation arrangements are flexible, and your initial consultation is free.