Someone who has been deemed unable to work as a result of a medical condition is usually eligible to receive some form of disability insurance. The process of applying for that insurance can be done individually, however there are many reasons why hiring a disability insurance lawyer can make this process much quicker, easier, and less stressful.
1. They will take a case at any time
Claiming disability insurance is a process. Whether the client is only at the beginning of their journey, or whether they have already applied and been denied and are looking for extra support, they are always able to hire a lawyer.
Unlike other types of lawyers who urge clients to contact them as soon as possible, disability insurance lawyers are more easily able to join a disability insurance case due to the nature of their work. It means these lawyers are able to create a case from any stage in the claim process, and will have no problem getting up to speed on the specifics of a case, no matter what has already transpired.
2. They will try again
It is very common for people to contact disability insurance lawyers after their claims have been denied by the insurance company. The lawyers are able to find out why the claim would have been denied, and can then assist in completing the claim so that it is more likely to be accepted.
Often, claims like these are denied because the insurance company requires additional medical proof that the claimant is, in fact, ill and that they are unable to work. It is an understandably difficult process to navigate in order to try to weed out insurance frauds, but that is why disability insurance lawyers can jump in to help if the process has become too trying for the claimant to handle on their own.
3. They will negotiate
Another big reason why insurance companies deny claimants is because the claim has been submitted outside of the scopes of an indicated timeframe. Often, claimants are required to submit their application after a certain amount of time has passed, but are given a deadline of how long they have to submit their application after the waiting period has passed.
If an application has been submitted too late, there is an appeal process which the disability insurance lawyer can assist with. This usually involves writing a letter to the insurance company asking them to reconsider.
4. They will fight
The difference between a claimant and a lawyer is that the lawyer knows they can probably turn an insurance company’s “no” into a “yes”. So even if the claim has been denied, and the insurance company is not interested in negotiating, the lawyer will continue to fight with the ultimate goal of having the insurance claim approved. These lawyers work to have the claim approved before having to take the case to court. However, if the case does have to go to court, they will keep working towards winning the case.
5. They take on the burden
One of the most difficult parts of making an insurance claim is that in involves a lot of phone calls and emails. It takes up a lot of time, which can be especially difficult for people who are suffering from a medical condition that is preventing them from working.
Disability insurance lawyers take over all of that which takes a lot of stress away from the client, as well as allows them to spend their time on other more healthy and productive things. The lawyer will take care of all the communications, and contact the client only when its necessary.
