Initiating a long-term disability claim is an incredibly time-consuming, complex, and frustrating process for most individuals. Between the piles of paperwork, strict deadlines, and legal jargon, it’s not surprising that a lot of disabled individuals end up giving up altogether or having their claims denied.
The thought of going up against a powerful insurance company can be intimidating, especially when you’re already suffering from a disability, mental illness, or serious injury. Just one missed deadline, a slightly inaccurate statement to the claims adjuster, or an incorrectly completed form can hurt your claim.
Long-term disability insurance policies contain confusing language and various requirements that not all people can understand easily. Your policy must detail factors, including the definition of disabilities you must meet to qualify for benefits, how much you’ll receive monthly, and how long you’ll receive payments. It will also have specific conditions and restrictions.
Your long-term disability attorney near me can analyze your policy and review the facts of your claim to figure out whether your condition qualifies as a disability and if you have a valid disability claim. Your attorney will likewise determine any potential complications or issues that your insurance provider may raise when you file your claim, such as issues with your specific condition and policy. Your attorney can build your claim around these issues and look for ways to minimize their impact.
The judge, in most cases, decides cases based on what’s included in the administrative records, which are the claims that disabled individuals file with their insurance providers. Your attorney can ensure that your claim contains all the necessary medical evidence to prove your disability work with your treating physicians to gain expert opinions about your limitations.
Knowing which questions to ask physicians to find the right answers to support your claim instead of relying on biased records from your insurance provider is one of our Chicago long-term disability attorney’s most valuable assets.
Besides gathering convincing evidence of your condition, your attorney will likewise handle all the communications with your long-term disability plan administrator and claims adjusters, file your initial claim and appeals (if needed) on time, manage all settlement negotiations, and take your case to court, if necessary.
If you are feeling overwhelmed, don’t know how to even start your claim, or have been denied disability benefits by your insurer, do not lose hope. While it may seem that the odds are stacked against you, you should not feel defeated just yet. This just means that it is time to get professional legal guidance. At Bartolic Law, our dedicated Chicago long-term disability attorneys are ready to fight on your behalf to ensure that you receive the benefits you deserve.
Arrange a consultation with a long-term disability attorney near me by calling 312-815-1153 or filling out our online form.