What You Can Get from Hiring a Disability Lawyer

 In Blog, The Financial Professional

Long-term disability (LTD) insurance protects your income if you become disabled and unable to work. A long-term disability plan can be obtained through your work or from an insurance company.

Filing a claim can be frightening and difficult, especially if you are managing your health. A long-term disability attorney can help in this situation. It can be beneficial to have legal assistance while filing a claim or appealing a benefits denial.

A Long-Term Disability Lawyer Can Evaluate Your Policy

A disability lawyer can examine and analyze your insurance policy. They can assess your case and policy to determine whether you have a long-term disability claim. If this is the case, they can suggest supporting evidence.

A long-term disability lawyer can help you identify potential concerns or roadblocks during the LTD application process. A lawyer can help you arrange your case in order to minimize the impact of policy and condition issues.

A Long-Term Disability Lawyer Can Help with Legal Intricacies

Your plan’s claim laws may differ. If your employer provides long-term disability coverage, ERISA will apply. ERISA is a complicated law that favors insurance companies and can be difficult to implement. Because ERISA-governed LTD claims have their own set of rules, having counsel can be beneficial.

A Long-Term Disability Lawyer Can Enforce Your Terms

An insurance firm may face limits as a result of a policy or state or federal regulation. An insurance company is limited in how long it can take to approve a claim or an appeal. Unfortunately, insurance companies do not always follow these standards, and unless a claimant is knowledgeable about long-term disability law, they will not know.

Long-term disability lawyers understand insurance company policies and can ensure that your case is handled correctly. This avoids claims and appeals from being delayed. We recognize how insurance companies may prioritize themselves over you. A lawyer will document the insurer’s policy infractions. If your case gets to court, you will have proof of the insurance company’s wrongdoing.

A Long-Term Disability Lawyer Can Help You Avoid Mistakes

Self-handling a long-term disability claim may result in mistakes. Common problems include a lack of understanding of legislation and disability definitions. If you do not grasp your definition of disability, you may fail to produce all of the required proof, resulting in your claim being denied. Other mistakes include using misleading language on the claim form or failing to notice that your insurance policy may not cover your medical condition (s).

A Long-Term Disability Lawyer Can Gather Evidence for Your Claim

Claimants can request disability-related medical documents from their insurer. Because medical records may not fully or accurately reflect your disease, it may be necessary to provide further evidence. A long-term disability attorney can help you determine whether other evidence, such as doctor records, comments from friends or coworkers, or expert opinions, is admissible in support of your claim.

A lawyer can help your doctor comprehend your disability criteria so that they can fill out your claim forms correctly. A lawyer may be able to help your doctor and insurance company understand the essential paperwork.


Simply put, having a long-term disability lawyer on your side means having someone accessible enough to handle everything on your behalf. This makes it easier for almost anybody to manage a disabling health condition. After all, long-term disability claims can be complicated.

With that said, make sure you work with trusted professionals who can handle all parts of long-term disability claims, including paperwork completion, evidence gathering, and expert referrals. Remember, these are people you know can navigate conversations with insurance companies and with your doctors. Hiring a long-term disability lawyer will make the process easier for you and assist you in receiving your benefits.

Are you looking for professional disability planning in Colorado? Estate Planning Lawyers Colorado is an esteemed team that will guide you and provide you with the solutions you need regarding all your concerns. Give us a call today to get started!

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