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Disability Insurance Lawyer to Help You Fight Denial

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If dealing with a physical injury or psychological trauma following an accident wasn’t enough, being denied disability benefits can put you in a tough situation. It can be overwhelming to receive the news that owed benefits were denied, but do not feel that you need to accept the insurer’s decision. A disability insurance lawyer will help you get the compensation you are entitled to.

 

The Right to Disability Insurance Benefits

 

In the event of an injury or illness where you are not able to return to work, disability insurance offers some protection by providing you with a portion of your income that can go towards bills, expenses, and medical treatment. Disability insurance aims to offset any financial hardship you might suffer as a result of being unable to return to work resulting from a medical condition.

 

The two types of disability benefits are:

 

·       Short-term disability (STD): Some employers offer short-term disability benefits or salary continuation as a workplace benefit. Covers the disability for less than six months, but policies vary widely. These benefits are intended to provide disability income to people who need to be off work for 1-3 months.

 

·       Long-term disability (LTD): These benefits are intended to pay disability replacement income for several years. For some policies, your disability only needs to prevent you from working at your own previous occupation; for others, you must be unable to work at any occupation. Your insurance may also decide to cut off your LTD benefits after a certain period of time, usually two years.

 

Reasons for Denial

 

Insurance companies are not always forthcoming when a request is made to justify denying disability income benefits. Too often insurance companies deny legitimate disability claims. The most common reasons are "insufficient medical information” and a "lack of objective medical evidence.” Other reasons include:

  • Your condition does not fit your policy's definition of short-term or long-term disability, if you are claiming disability.
  • There is insufficient evidence or documentation for your medical condition.
  • You are not covered for your particular accident or injury.
  • There is proof that you are not truly as injured or as disabled as you claim to be.

Appealing a denial of benefits requires legal knowledge and a disability insurance lawyer is committed to protecting your rights.

 

Don’t Give Up

 

Injury and disability will alter your life in many ways. When recovering from a serious injury or learning to adapt to permanent damage, it may take all of your time, effort and funds, leaving you with little energy to focus on anything else.

 

Disability benefits can help see you through an otherwise difficult period in your life, but claiming benefits following your disability is not always as simple as you might expect. If you are preparing a claim or your disability benefits have been turned down or are less than expected, contact a disability insurance lawyer.