Having long-term disability insurance is one of the prudent things you should think of; it will help you safeguard your income if the unfortunate happens and you can no longer continue working. You can choose to purchase a long-term plan through your employer or a private insurance firm. When that time comes, and you have to file a claim, though your benefits are assured, history has it that those with legal representation by a long-term disability attorney get their benefits in record time and to the maximum.
Continue reading and find out why you need a long-term disability lawyer
They can analyze your policy
Long-term insurance policies can be complex to an ordinary person like you, and some requirements need to be broken down by a legal professional for better understanding. Even insurance policies from the same company are different, and therefore you need to understand the specific terms in your policy. That will help you meet the requirements in terms of remittances and such, so you have no issues when it comes to claiming your benefits. There are also restrictions and conditions in the policy document that needs interpretation, and only an experienced lawyer can do that. They will take you through the policy, deconstruct it and analyze the terms. They’ll review the terms of your case while comparing them to your policy and thus determine if the conditions will warrant a long-term disability claim. Getting an LTD lawyer on time ensures that you choose that policy that will guarantee long-term claims.
Helps in navigating complex law
There are always different laws that surround your disability policy. Most common here is the federal law of the Employee Retirement Income Security Act (ERISA). It’s such a complicated area of law that can be challenging for a claimant like you. Thus with a long-term disability lawyer, you’ve someone who will help you navigate the complexities of the law and help you get your claims in full and on time.
The long-term disability lawyer will hold the insurance company responsible.
You see, when you’re a layman dealing with professionals, it may be difficult for you, especially when you need your matter treated urgently and no one seems like they care. Most insurance companies take advantage of their claimants’ ignorance and therefore can delay or look at trivial things like delayed monthly remittances to penalize you. But when you have a disability lawyer that you’ve walked with, such insurance companies will be held to account. Where need be, your lawyer will file a case in court to challenge their decisions. You’re safe with that professional.
They will help you avoid common mistakes.
When you choose to handle your long-term insurance claim alone, you risk making some mistakes that may cost you in the long run. The common mistake is failing to adhere to the conditions of the policy to the letter. When you’re filing for your claim, the insurance company will cross-check to ensure you followed such to the letter- and mark you; not many will do that. Thus you will most likely be challenged.
Don’t just think about it; having an LTD lawyer Toronto is the best gift you can award yourself, which will bear fruits in the fullness of time. Do your research and get one today.