3 Vital Reasons To Hire A Disability Insurance Claims Lawyer
Disability can prevent you from working and plunge you into financial and health problems. That's why you need disability insurance; to get protection against these risks and have a steady stream of income to support your family. A disability insurance claims lawyer knows the ins and outs of the law and will ensure you navigate any challenges that come up successfully. Here are three vital reasons to hire these professionals.
Help You Understand Your Policy
Understanding the terms used in a disability insurance policy is essential to know how to approach a claim. In many cases, the definition of "disability" in an individual disability insurance policy may differ from what may be defined as "total and permanent disability" by Social Security or other federal programs.
A disability insurance claims lawyer will help you navigate the language in a claim to ensure that all of your bases are covered and nothing is left out when it is submitted. They'll help you break down the requirements for your policy, including things like how long you must be disabled before the insurance company considers your claim and the kind of proof you need to provide to show your disability is genuine and not just something temporary.
Hold Your Insurance Company Accountable
There are rules that insurance companies should follow regarding disability insurance claims. If they don't follow them, you can hold them accountable through a disability insurance claim lawyer. For example, before denying your claim for benefits, an insurer should give you a pre-termination notice in writing explaining why they believe you don't qualify for benefits. They should also give you a chance to review and comment on the medical evidence before making their decision unless it would be futile given your condition.
A disability insurance claim lawyer can help ensure that an insurer follows these rules when denying your claim. They'll take the time to review all of your medical records for this evidence before letting you know if you are likely eligible for benefits.
Represent You in Court
If you cannot solve the disputes against your insurance company out of court, you may need to hire a disability attorney. They'll represent you in court and do anything they can to win your case. This may include hiring medical professionals or other witnesses to testify on your behalf. They'll also tell you what to say in court to increase your chances of winning the case.
Hiring a disability insurance claims lawyer will help you understand your rights and ensure that you receive the benefits to which you are entitled.