Let’s imagine a scenario. You have been hurt in a serious car accident. You have lost a limb and become permanently disabled. Obviously, it is a very devastating situation. However, luckily, you have long-term disability insurance.
Finally, you are relieved that the insurance companies will pay benefits, so you can have peace of mind. Here comes the twist. When you apply for the insurance benefits, they deny your claim. This may be just an imaginary scenario for you, but it is a reality for many.
Insurance companies denying claims and cheating the insured is pretty common. However, you can fight them back with the help of a long-term disability lawyer. These lawyers can help you appeal the insurance company’s decision and get you the money you deserve.
Here are five reasons why hiring a long-term disability lawyer is a necessity:
- A better understanding of your policy
- Experience and expertise
- They can appeal the insurance company’s decision
- They can gather relevant evidence and documents
- Negotiation with insurance companies
A better understanding of your policy
Insurance policies are pretty complicated, and they are meant to be that way for a reason. An average person will not understand the clauses in the policies. So the insurance companies can take advantage of the insured when the time comes.
An experienced lawyer can take a look at your policies and help you understand them better. They will also review whether the claim rejection is valid or not.
Experience and expertise
Insurance adjusters are experts at what they do. You need an expert to deal with them.Lawyers are the experts who can deal with these insurance adjusters.
These lawyers will have the necessary experience to deal with insurance companies, as they have dealt with them many times in the past.
They can appeal the insurance company’s decision
An average person will not know how to appeal the rejection of a claim. Even if they do know, they will make mistakes and make it easier for the insurance company to deny their claim.
A lawyer can help you with the appeal process. They will review why your insurance claim was rejected in the first place and will avoid those mistakes when appealing.
They can gather relevant evidence and documents
When appealing, you will need substantial evidence to counter the insurance company’s arguments.
A lawyer can help you collect evidence and other relevant documents. They will get your medical records and other relevant documents to prove that you deserve the insurance benefits.
Negotiation with the insurance companies
Negotiating with the insurance companies is the worst phase of the entire appeal process. Insurance companies will make sure they make your life a living hell.
Lawyers will take this burden on their shoulders. They will negotiate with the insurance company on your behalf.Insurance companies will try to reject or reduce your benefits. But your lawyer will not let that happen.
Can I afford a lawyer?
Many have this question on their minds when they want to hire a lawyer. People think lawyers are an elite resource. But in reality, even the working class can afford a lawyer, thanks to a contingency fee arrangement.
When you hire a lawyer who works on a contingency fee structure, you don’t need to pay any upfront costs. Also, you pay only if they win your case. This makes legal representation accessible to everyone.
Final thoughts
Getting your insurance claim denied when you need it the most can be pretty devastating. It is important to fight insurance companies that reject claims to make a profit. If you don’t fight today, they will continue to cheat on many others. Hire a lawyer, and let them get you the compensation you deserve.
