When a person suffers an injury or illness that prevents them from working, they may be eligible for long term disability (LTD) insurance benefits. But, submitting the right paperwork and proving one’s eligibility isn’t always easy. In fact, a variety of factors can lead to a claim being denied by an insurer. These include procedural errors such as missing filing deadlines, medical misunderstandings or a discrepancy with the policy’s definition of disability.
Long term disability lawyer qualified New York long term disability lawyer can help you avoid these issues and get the benefits you deserve. They can also review your policy for any exclusions or limitations. They can also help you file an appeal if your claim is denied by an insurer.
Experienced Personal Injury Lawyer: Why Expertise Matters in Your Case
Some LTD claims are governed by a federal law called ERISA (Employee Retirement Income Security Act). ERISA requires specific procedures, timelines and regulations be followed. A lawyer familiar with ERISA can make sure the insurance company is following these rules in your case and that you aren’t losing valuable rights. They can also help you document the ways an insurance company is acting in bad faith. Lastly, they can help you build your case by obtaining additional forms of evidence such as statements from friends or coworkers or a re-evaluation from outside medical professionals. They can also help you prepare for an insurance company interview and be present at any re-evaluations. They can also litigate your case in court if necessary.