One of the most frustrating situations for a client with disability insurance occurs when they have to access the insurance they have paid for, often for years, and are denied the support they are owed, the support they anticipated having available should they the worst happened. There are so many loops to go through to successfully claim disability insurance with most insurance companies, and for many people, the process is so difficult, time consuming, and overwhelming that, at the end of the day, when they are denied disability coverage, they think it’s the end and they have no recourse. However, this is not necessarily the case. While there may have been a time when a person who was denied their disability insurance claim had few or no other options, this is not always the case today. In fact, with the proper legal representation from an experienced disability insurance attorney, a denied disability claim lawsuit can be fought and even won.
What is disability insurance?
Disability denied attorneys come into play for those who have been denied a disability insurance claim, but first you have to understand the importance of disability insurance. Most of us understand the importance of life insurance, but the reality is that accidents or illness can prevent a person from working for a living. For this reason, disability insurance is just as important as life insurance. In fact, a typical 30-year-old is 4 times more likely to be disabled than to die before age 65.
There are two main types of disability insurance: long-term disability and critical illness. Disability insurance will provide a monthly income if a person is unable to work due to serious injury or illness; Critical Illness Insurance pays a tax-free lump sum upon diagnosis of an illness that is stated in the policy. When it comes to filing a claim, it is the claimant’s responsibility to establish that they are disabled within the limits of the policy. The claimant must provide proof to qualify for disability benefits, and this proof must stand up to scrutiny. Since claim reporting and claim interpretation are subjective, the potential for claim denial can be high in many situations. Once a claim is rejected, the recourse is limited to the courts – Disability Denied attorneys can help expedite the claimant’s reporting, increasing the chances that the settlement will be approved and won.
How to choose a lawyer or law firm
Disability-denied attorneys can be found throughout the legal industry, but you need to make sure that you choose an attorney or law firm with the best chance of getting results for you with the least amount of initial risk. The reality is that while you are vulnerable and could easily take advantage of it, your resources will be limited and this should be part of your consideration. You will find that most law firms or attorneys will ask for an upfront payment, regardless of the outcome of the case or how much it will cost, win or lose, a payment that you probably won’t have considering you are fighting a denied disability claim the way things are. . However, there are some law firms that do not require an upfront payment. Some disability attorneys who have been denied disability will work on a percentage fee basis, and there will be no fee until the claim is resolved. Do your research well before hiring a disability-denied attorney to fight your case.
