If you were injured in an accident and are forced to sit at home without working and earning an income for a few weeks or months, you may be stressed about paying your bills. Between all this, your friends and family must have given you the advice to file a long-term disability case. While LTD insurance can help, getting the benefits is not easy.
There are several myths surrounding the long-term disability claims process. You may have heard some of them from your trusted sources, like the human resources department or your employer. Unfortunately, much of what you hear is false. It is essential to know the facts to avoid making any errors. Hire an attorney today to get assistance while dealing with companies that offer disability insurance.
Myths and truths about the long term disability claims process
Once they deny your claim, there is nothing you can do.
This is completely false. Thousands of long-term disability claims get denied every year. In fact, many people attempt to get LTD benefits without an attorney, end up making a legal error during the process and have to start all over again. Making an error is normal and common, and it does not mean you will not get another chance.
When your long-term disability claim gets denied, you will still have options. Speak to an attorney to know what they are.
Filling out the long-term disability form is enough to get the benefits.
One of the biggest reasons why most people receive a denial letter from companies that offer long-term disability insurance is that they believe the process to be straightforward. In reality, it is anything but simple. There are various steps in the process, and completing each step can take a toll on you, such as gathering evidence, filling out forms, meeting deadlines, etc.
Filling out the form is just one step of the process and does not guarantee anything.
Any lawyer can help you with your LTD claim.
If any lawyer could have helped you win your long-term disability claim, the denial rates of the insurance companies would be much lower than they are today. While all lawyers have legal knowledge, it is crucial to work with someone who has experience in dealing with LTD claims only.
An experienced attorney who regularly deals with LTD claims knows the ins and outs of the process, is familiar with the ever-changing laws, and can tackle the unique challenges surrounding the long-term disability claim process.