Blog

Getting injured or diagnosed with a serious illness that prohibits you from working for longer periods is something employees don’t wish to happen. But accidents can occur to anyone at any time. If this should happen to you, certain questions may arise that need immediate answers. Not only are you worried about your health, but you might get stressed about addressing important matters like paperwork, getting medical treatments, and issues regarding compensation. 

Injured or disabled employees who qualify could file for long-term disability (LTD) insurance. They could apply for this insurance with their employers or get one from a private insurance company. The policies of insurance companies might vary depending on which state you’re residing in. But the main goal of LTD insurance is to protect and compensate you. 

Applying for LTD insurance can be quite complicated, so one way of easing your stress is by hiring a long-term disability (LTD) lawyer to guide you. You might want to check first for listings of established law firms to get an idea of what an LTD lawyer can do for you. If you happen to reside in Toronto, Canada, you may avail of the services of an AvaGio long term disability lawyer to assist you with all the proper documentation and processes.

Other benefits of getting an LTD lawyer are as follows:

1. Easy Processing Of Forms

Filing for insurance claims can be stressful. Filling-up forms from insurance companies might be confusing and time-consuming. Standing in long queues to submit forms, while not in your best condition can have a negative effect on your health. 

Insurance companies, unfortunately, will try to find reasons to delay your claim. Such reasons could be late submission, unchecked boxes, and providing incomplete information. If you’re not able to comply with all the insurance company’s requirements, your claim might be denied. 

With the help of an LTD lawyer, you’re assured that all documents will be submitted on time and forms properly filled up.

2. Help You Avoid Mistakes

Some claimants prefer to make the applications of their insurance claims on their own. However, this can be quite risky. When applying for your LTD benefits, there are certain mistakes that you have to look out for. Some of the common ones made by applicants are the following:

• Missing deadlines
• Submitting insufficient medical records
• Not providing official statements from your doctor
• Blindly filling up forms
• Lack of understanding of the policy/policies
• Throwing out insurance policy documents

Insurance companies are meticulous in terms of checking all documents and evidence the claimant provides. Such mistakes could lead to a denied insurance claim. By seeking the expertise of an attorney, these mistakes can be avoided. 

3. Strengthen Your Claim

Your claim can be strengthened with the assistance of an LTD lawyer. They can provide you with a list of the needed documents to prepare. The attorney can also help you review all your medical records and secure evidence to support your claims. 

In most cases, insurance companies would prefer to transact with unrepresented claimants since it would be easy to contest their claims. With an attorney, your claims have a lesser chance of getting denied. Approval of your claims could also be quicker. 

4. Help You Understand Your Policies

Long-term disability insurance policies are complicated, and tackling them on your own may be daunting. There are certain terms in the policies that you might not be familiar with.  An LTD lawyer can review the policies and analyze them. They can explain to you the details of the policies in a clear and understandable manner.  These details include the definition of what ‘disability’ means, as indicated in your policy. This point is crucial since you’d want to know the full extent of the coverage of your insurance plan. 

Again, not all policies are the same. There are specifics in some insurance plans that might not be applicable in other states or regions. This is where the services of a lawyer can be of great help. 

Additionally, an experienced LTD lawyer can also provide proper counsel as to what the next steps are needed after filing for your insurance policy claim. Should your claim be denied, your lawyer can appeal for it and do the negotiations. If a lawsuit does happen, your lawyer can take charge of the legal proceedings. 

Is It Obligatory to Hire An LTD Lawyer?

Hiring an LTD lawyer may not be required when processing for your long-term disability claim, but it’s highly recommended. Getting the services of an LTD lawyer has enormous benefits. Common mistakes are avoided, resulting in faster processing of your application. Your LTD lawyer can also help you understand what your policy entails. With the help of an LTD lawyer, you have a better chance of getting your claim approved.