Lots of people call my law firm for legal advice for their long term disability claims. Often for these people, it’s their first time dealing with a large insurance company over a claim of significant value which can impact the course of their financial security for the rest of their lives.
What should I (or shouldn’t) say to the adjuster over the phone?
How do I complete all of these forms?
Who should complete these forms?
When should I apply for long term disability benefits?
How can I apply for long term disability benefits?
What must I do once my long term disability claim gets denied?
Should I appeal the long term disability insurer’s decision; and if so; how do I go about that?
When should I retain a long term disability lawyer?
How much will retaining a long term disability lawyer cost?
How long will my case take to get settled or go to trial?
As you can see, people have a lot of questions regarding their long term disability claims. This is completely understandable. Long Term Disability claims are hard to understand right off the bat! They are contractual disputes. The terms of each contract are different. They all depend on the wording of the policy and each policy of insurance is similar; but it’s NOT the same. This is what makes things a bit confusing.
A car accident is easy to understand. In a car accident case, an at fault driver causes a car accident and is held accountable for the pain, suffering and ensuing economic losses they have created through their own negligence.
A long term disability case is based on the wording contained in the policy of long term disability insurance. These policies are long, verbose and hard to understand. There are multiple clauses, exceptions, time periods etc which makes hard even for an experienced long term disability lawyer to understand.