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Long Term Disability Attorney 60614

Those who take out long-term disability insurance know that it’s one of the best safeguards against losing income if they cannot work because of a medical condition or disability. Most people take out a long-term disability plan with their employer or privately with an insurance company. 

Unfortunately, when it comes time to file a claim with a long-term disability insurance provider, it can be an incredibly overwhelming and stressful time because of how complex the claim process is. 

That’s why speaking with a long-term disability attorney at a firm like Bartolic Law is usually a beneficial idea. Our lawyers are equipped with the knowledge you need to file a long-term disability claim. 

What Are Some Of The Conditions And Illnesses That Qualify For Long-Term Disability?

It’s important to know that what medical conditions, illnesses, and disabilities qualify for long-term disability benefits will vary based on an individual’s plan. 

Some plans will offer cover for diseases while others may not, and some might cover psychological disabilities while others won’t. Speaking with a lawyer and getting their assistance while going through your plan will be beneficial as you can learn what is and isn’t covered. 

Below we have briefly listed a few of the medical conditions that could qualify for long-term disability benefits:

  • Degenerative disc disease
  • Fibromyalgia
  • HIV/AIDS
  • Bipolar disorder
  • Cancer
  • Crohn’s disease
  • Lupus
  • Multiple sclerosis (MS)
  • Chronic fatigue syndrome

A Long-Term Disability Attorney Will Analyze Your Policy

Unfortunately, although long-term disability policies help supplement your income if you’re unable to work, they are difficult to understand. They also contain many requirements you might not know how to complete or follow when filing a claim. It also makes things difficult that all plans are different and will largely follow the rules and regulations of the insurance provider. 

With the help of a long-term disability attorney, you can easily understand the terms of your specific policy after they have analyzed your documentation. Your attorney will help you understand what requirements you need to meet to collect benefits and what your policy defines as a disability or medical condition. 

An attorney can also tell you when you will receive your benefits and how much you will get monthly while also alerting you to your restrictions or special conditions. 

Your Long-Term Disability Attorney Can Help You Avoid Common Mistakes

When focused on your disability or illness, it can be incredibly difficult to avoid common mistakes when filing a long-term disability claim. This is especially true if you’re filing one independently without legal help. Some of the common mistakes an attorney can help you avoid include:

  • Failing to fully understand your policy. 
  • Failing to understand what your policy classifies as a disability. 
  • Failing to provide all the evidence you need to prove your disability or illness. 
  • Using inaccurate language when completing relevant forms. 
  • Making mistakes when filling out forms. 
  • Failing to understand that your long-term insurance policy might not cover certain elements of your medical condition.
  • Failing to meet deadlines. 
  • Failing to properly communicate with your healthcare provider and insurance provider.

Speak With An Attorney Today To Discuss Your Long-Term Disability Claim

If you are in the process of wanting to file a long-term disability claim, you should consider speaking with a long-term disability attorney today. With the help of one of our trustworthy local expert lawyers at Bartolic Law, you can build a strong claim file with a higher likelihood of being accepted. We can also help you with the appeals process if your claim is denied. Get in touch with us today to discuss the next steps you need to take to access your benefits. 

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