A long-term disability case is a complex and rather time-consuming process. If you choose to settle the case all by yourself, you will have to do a lot of work. One of them is doing research about all the requirements necessary to file a claim.
Aside from that, you also have to look for intermittent answers to your questions. The question is, who will answer them? You will also need to interpret a lot of details and discover everything on your own. This ultimately begs the question: is hiring a LTD attorney necessary?
Do I Need a Lawyer to Handle My Case?
The choice to hire an attorney for your LTD case is entirely up to you. Given enough time and the right amount of research and right information, it will be possible to file a claim on your own. However, keep in mind that doing so opens you to a number of potential risks.
A missed deadline, for example, can cause you to nullify your claim. This can also happen if you provide wrong medical reports or send an incomplete application. When you negotiate with your insurance company, you should realize that they aren’t all that willing to come to terms with you.
Moreover, those who review disability claims are usually hired by the insurance agency itself. This only means that they’re working under the agency; thus, the more claims they’ll approve, the more it can negatively impact their bottom line.
Unfortunately, even if you have a legitimate disability, it still won’t give you a 100% approval guarantee. The outcome of your claim will depend largely on how you arrange your application. Therefore, if you want to increase the chances of winning your claim, hiring a long-term disability lawyer greatly helps.
ERISA Law for Long-term Disability
The ERISA law has a lot of “traps” for employees which insurance companies have learned how to exploit. Hence, if you work with a LTD lawyer, say an ERISA disability lawyer in St. Petersburg for example, he should know the following:
- Any appeal made to an insurance company should include all reports and supporting records to back your claim. If there’s none and your case ended up being denied, a judge won’t be able to consider your case.
- Without any compelling evidence to show before a final denial, your lawyer may have no authority to sue your insurance company. Also, doing things on your own can end up lowering the chances of finding a LTD lawyer who’ll be willing to handle your case.
- There are some ways that will help you save some of your Social Security Disability back pay. Insurance policies for disability tend to contain a clause requiring you to reimburse the company for money which you obtain from Social Security.
Needless to say, every case is unique. However, if you think of pursuing the case all by yourself without any prior knowledge to any legal proceedings, you might find yourself in deep waters. Fortunately, you can prevent that from happening – just hire a lawyer.