Should you hire a long term disability insurance claims lawyer or go at it alone? That is the question for many insureds.
This question is often asked by people who have become disabled and are looking to collect long term disability insurance benefits. Most individuals file their claim without the benefit of legal representation. However, if your claim is denied and an appeal or litigation is required, you should strongly consider speaking with an experienced long term disability insurance claims lawyer.
The process of applying for long term disability insurance can be overwhelming to many and it only gets more complicated if your claim is denied. If your policy is governed under the Employee Retirement Income Security Act (ERISA), you are required to file an administrative appeal of the denial before you can file a lawsuit. One of the tricky aspects of filing an administrative appeal under ERISA, is that when you go to court, you are only allowed to submit the evidence that was brought forward during the claim and appeals process. Therefore, it is critical that your claim is properly substantiated in your administrative appeal.
Unfortunately, many valid long term disability insurance claims are denied at the administrative appeals level because the right evidence was not submitted. This, in turn, compromises the court case. Since this process can be complex, it is advisable to work with an experienced long term disability insurance claims attorney.