Long-term disability (LTD) benefits are designed for workers who can no longer work due to a severe disability. Many take advantage of the supportive services available to them; however, they must go through the qualification process first. Not getting the results that you desire from your first claim is no reason to give up easily. There are LTD rules that allow you to file an appeal. Hiring a lawyer to help you through the process will increase your chances of getting benefits.
The Purpose of Disability Insurance
A long-term disability is the cause of a debilitating injury or illness. Long-term disability insurance covers a wide range of medical problems, such as musculoskeletal diseases, cancers, heart diseases and mental illnesses. Disabled workers can no longer work normally and must receive financial support, also known as benefits. If they qualify for benefits, they receive their new, long-term income from the insurance company.
Obtain long-term disability insurance through your employer or buy a policy on your own. The extent of your benefits is based on your salary, the length of your disability and the length of the policy. Some plans stop once you recover from the disability or turn 65 years old. If you are partially disabled but work for less than your original income, you can still obtain benefits.
The broader the amount of coverage, the higher the costs of insurance. A non-cancellable policy prevents the insurer from changing the terms of the plan. A guaranteed renewable policy allows you to keep the benefits as long as you pay the premiums.
Reasons for Denials
Getting denied for benefits is not the end because you can file an appeal. First, know the possible reasons for your denial.
Earning too much income is one reason to be denied. Working for more than half of your original income does not count as being disabled. A short-term disability or one that is not serious enough is another reason. Some insurers require proof of a disability that lasts more than 12 months.
Filling out the paperwork with false or missing information is enough to grant a denial. The insurance company must rely on facts and details to issue benefits legally. They must be able to communicate with you and provide updates about your case. Applicants who show a lack of cooperation are denied.
What Lawyers Do
A lawyer helps you through the initial application or appeals process and explains all of your options. Like all lawyers, disability lawyers collect evidence for the case and represent you in court. They review medical documents stating the details of your disability in addition to employment records.
The research that you do about disability insurance is general and could apply to anyone. Find a lawyer who applies the general terms to every unique case. A lawyer is available to listen to the details of your situation at http://caveylaw.com/.
After suffering through a disability and losing the ability to work, the last thing you want is to be denied benefits. There are legal options available to those workers in need of long-term assistance.