You were injured on the job – say you fell off a ladder and hit your head and injured your back. You were hospitalized, and spent a long time in rehab. You are better now, but far from all better, and very far from where you were before you fell. In fact, you aren’t able to return to work. Your doctor agrees. When you consult your employer, your employer agrees. This is why long-term disability insurance, which may be provided by your employer, exists, and so you file a claim. It will be a slam-dunk, right? After all, everyone agrees you are too disabled to work.
Well, maybe, but maybe not. You forgot about someone – the insurance company. The insurance company, not your employer, decides whether your disability meets the specific, legal definition outlined in your policy – or not. Your employer may feel very sympathetic toward you, but the insurance company has no such warm feelings. They would like to pay you as little as possible, and they will seize on whatever they can to deny your claim. Don’t make it easy for them! Here are two important things to keep in mind:
These two factors are important, but there is much more involved in filing a successful disability claim. Protect yourself. There are some legal situations you can handle yourself, but the stakes are too high here, and this is not one of them. Even if your case seems like a slam-dunk, talk to a lawyer who YOU find yourself and who you trust to have YOUR back. You may have just one shot at this, so make sure you give yourself every advantage.
If you have a denial letter, call us today and we’ll show you what happens next.
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