The debatable topic is when you should hire an attorney if you have been denied LTD benefits. If you have bought LTD insurance and have become disabled due to a medical condition or illness, the first thought that comes to your mind is to contact the insurance company and file a claim. Getting it rejected can leave you depressed and confused because you might have paid all your premiums on time. Nationwide long term disability claims lawyer can save you from all the hassles and financial difficulties.
If your LTD claim might have been denied, for the below-mentioned reasons:
- Delay in filing the claim
- Duplicate or wrong information
- Errors in filling up the form
A lawyer can help you in dealing with the insurance companies in the following scenarios:
- If the insurance company is asking for irrelevant, excessive and duplicate information
- If they are denying a claim for invalid reasons
- Taking too much to clear the claim
- Paying lower benefits than what has been stated in the LTD insurance policy
Hiring a lawyer before filing a claim
Mostly, people tend to contact a lawyer after they have been denied the benefits. They are unaware of the fact that it is more beneficial to hire him beforehand. It will save a lot of time and energy. Moreover, they will start getting the benefits in a few weeks only.
You will not make silly mistakes while filling up a form such as spelling errors or giving out wrong information. The attorney will be able to omit these errors and prevent your claim from getting rejected. Sometimes, the insurance company wants to get the information from you and use it against you later at the time of clearing the claim and reject it completely. An attorney will save you from all these hassles.
Hiring a lawyer after getting rejected
If your claim has been denied, the attorney will look at the possible reason and find out the most suitable solution. Since he has worked and helped many insured people, he can figure out what the insurance company is up to. He ensures that you get what you deserve. The insurance companies tend to find faults in the claim form so that they don’t have to pay policyholders.
Having a lawyer on your side can save you and your family from a financial crisis. It is suggested to hire the best and the most experienced one.