When to Use an Attorney to Get Long Term Disability

If you or a loved one has become disabled, it is important for you to quickly learn how to use an attorney to get long term disability benefits because the earlier you involve an experienced attorney in your case, the more likely you are to get the best possible outcome.

If you have long term disability (LTD) insurance, you either purchased a policy directly from an LTD carrier or your long term disability insurance is a group policy that is a benefit that you receive from your employer. The purpose of LTD insurance is to replace a portion of your normal employment income if you become disabled and cannot work for a long period of time. Each policy will have its own terms and conditions regarding benefit claims and appeals; make sure you have a copy of your policy and read it through.

If you don't understand the terms of your disability policy, what to expect, how to file a claim, or what your options are if you get denied your benefits these are all perfect opportunities to bring in a professional and use and attorney to get long term disability and help you through the entire process. Getting advice only from your insurance company's case manager or other representative is not necessarily helpful, and although completely free at the time may be more expensive in the long run if your claim is denied.

Group long term disability insurance has rules that are covered under Federal law; because those rules appear to favor the insurance company, it is important that you have an advocate who can take your case to a Federal court if needed. Private long term disability insurance is governed at the state level, so your attorney might end up bringing a lawsuit in state court to get you the benefits your are due under the terms of your policy.

Representatives of the insurance company represent the interests of the insurance company, which is a business that like all other businesses has as its first priority making money for the company. Hiring an attorney who specializes in LTD cases ensures that you have your own subject matter expert representation.

You should consider using an attorney from the time of initial application forward; allowing an expert who is proficient with the process and laws help you complete the application, answer follow up questions and represent you at hearings is the best way to make sure you receive your maximum benefits.