Long Term Disability Claim Denial: When Should You Contact An Attorney?

Long term disability insurers deny valid long term disability claims all the time, but when should you contact an attorney to assist you in fighting your long term disability claim denial? The answer may surprise you.

Consulting with a long term disability lawyer

Long term disability lawyers understand how long term disability insurance companies such as the Unum Group, Liberty Mutual, Reliance Standard and others operate - often delaying or denying valid long term disability benefits in bad faith. A long term disability attorney can assist you at any time during the process, including:

• Before applying for long term disability benefits. Believe it or not, many long term disability attorneys recommended consulting with clients before even applying for long term disability benefits - simply to discuss what you may be up against and to clarify and understand both the terms and provisions of a typical long term disability insurance policy.
• When your long term disability claim has been denied. Contacting a long term disability lawyer early in the claim process may be a signal to your insurance company that your claim should receive proper, thorough and fair consideration. However, seeking the advice of experienced counsel in the claim denial phase should always occur as soon as possible.
• When filing a long term disability appeal. Contacting a long term disability attorney when your long term disability claim has wrongfully been denied and you plan to appeal the decision is essential according to long term disability attorneys who say that hiring a long term disability insurance lawyer to represent your interests puts you on equal ground as he or she will look at your entire claim history to determine whether the insurer acted in bad faith.

Regardless of when contacting a long term disability attorney is right for you, make sure that whomever you contact has long term disability claim denial or long term disability appeals experience so that you'll be on equal ground with your long term disability insurance company.