• Do I Need a Lawyer for a Long Term Disability Claim?

Do I Need a Lawyer For Long Term Disability?

If you’ve recently become disabled and are considering filing a disability insurance claim, or want to appeal the denial of your disability insurance claim, you may be wondering whether you need to hire an attorney. In most cases, a disability insurance policyholder can benefit from representation, as these claims can be complicated and winning an appeal is often an uphill battle. Learn more about when and whether you need a lawyer for your long term disability claim.

The Reasons a Disability Insurance Income Policyholder Will Benefit From Attorney Representation

Some disability insurance claims are approved without an attorney’s involvement – so obviously, not everyone needs an attorney. But this is often the exception, not the rule. Long term disability (LTD) insurance policies can be complicated, and many have exclusions that are tough to understand. By hiring a disability insurance attorney, you’ll be better able to secure your benefits and negotiate with the insurance carrier.

Disability insurance company  representatives can be very likable and are trained to be helpful – but at the end of the day, they’re paid by the insurance company. Some LTD insurance claimants may be lulled into a false sense of security and find themselves providing more information than they should. However, insurance representatives will treat disability attorneys much differently than they treat an insured, and are far less likely to play fast and loose with promises of coverage.

What is “Return to Work”?

Disability claims adjusters focus on when a claimant can – or should be able to – return to work. Many medical events or procedures are quantifiable and common enough that insurance companies can simply refer to a chart to see how long, on average, a particular disability claimant’s recovery should last. While insurance providers have some discretion to deviate from these averages, they must be persuaded to use it, and only if you can show that you’re still too disabled to return to work.

Short term disability (STD) insurance is often funded directly through an employer, while long term disability insurance payments come out of the insurer’s pockets. Because of this, companies that administer both the short term and long term disability policies may be more likely to deny a claim for long term disability, even if the short term disability was previously approved.

When Should a Disability Insurance Policyholder Hire an Attorney?

The best time to hire a disability attorney is when you first file a claim – but the second-best time is now. Hiring an attorney at the initial disability claim stage can allow the claim to be shaped in a way that improves your odds of approval. Hiring an attorney for an appeal or to file a lawsuit is even smarter, as these processes can be complex. But at any stage in which you involve an attorney, you’ll be better able to make arguments and present the evidence that supports your disability claims than you were before.

If you could use some help in applying, appealing, or suing to recover your long term disability income benefits, get in touch with Dell & Schaefer today. Our disability attorneys can provide you with a free consultation to evaluate the merits of your claim.

Comments (2)

  • Hi William. We can help. We emailed you.

    Cesar Gavidia Jul 21, 2022  #2

  • I’m a dentist, I had a stroke last week and have problems with my dominant side arm and hand. I have short term and long term disability insurance, and need to file a claim. Is this something you help with?

    William Jul 20, 2022  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Janice L. (California)

I have MS and from the first interview, Rachel always kept me informed about my chances of getting LTD. She understood my claim, answered any questions and represented me at any meetings I had with MetLife so I felt comfortable and at ease. Sonia was also on top of my claim and her correspondence was clear and understandable.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us