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Long-Term Disability Claims

Filling out a long-term disability claim application is more complicated than expected. Insurance companies are trying to protect themselves from fraud, which is reasonable for any person, but that means that protection often leaves out people that desperately need the help the insurance company promised them. People often have their valid claims denied because there is a specific way they must fill out the form. This is where a victim should call a long-term disability claim lawyer for legal advice to make sure their claim is airtight.

A person can claim long-term disability if any of the following has left them unable to work:

  • Suffer an illness that severely impacted their health
  • Injury, may be from a car accident or onsite hazard
  • Mental condition

All of the above can affect a person’s life so negatively that they are left unable to work for months at a time. The reason they took out the specific insurance they have was to make sure they covered all their expenses in case the worst happened.

Then the worst happened and the company did not follow through. Hiring attorneys with a specialized background in disability claims is the best idea because the victim needs time to heal and focus on their health and well-being, but the claim need to be handled immediately. Organizing all the necessary information, doing the research, and putting it together in a coherent, sound legal argument against a large insurance company takes focus and knowledge that the victim just does not have time for at the moment.

Hiring an attorney, even just to look over a few documents if the claim is small, is a better idea than getting caught in a tangled web of documents after getting denied for a simple clerical error.