When the Road Gets Rough – Why You Need a Lawyer for Denied or Terminated LTD Claims
Receiving a denial, or termination notice, for your long-term disability (LTD) benefits can be overwhelming and disheartening. However, it’s essential to recognize that the journey doesn’t end there. Seeking the assistance of an experienced disability insurance advocate, like Bradley Legal, is a game-changer. Here’s why:
1. The Force of the Law:
Did you know that an insurer can deny your claim, and any subsequent appeals, at their sole discretion, with no oversight whatsoever?! It doesn’t matter how clear and obvious your entitlement to disability benefits may be. If the insurance company decides not to pay your claim, there is no way to enforce your rights, other than via a legal claim. Commencing a lawsuit brings the scrutiny of the law to bear on their decision, and a Judge or Jury has the authority to make them pay. In most cases the threat of a pending lawsuit will force the insurance to negotiate in good faith without the necessity of a trial.
2. Legal Expertise in Disability Law:
Navigating the complexities of disability insurance law requires specialized knowledge. A lawyer with experience in this field can interpret policy language, identify potential legal issues, and develop a strategic approach to contest the denial or termination. At Bradley Legal we have nearly 20 years of experience handling every type imaginable and can help you achieve the outcome you deserve.
3. Strategic Advocacy and Negotiation:
Insurance companies often engage in negotiation tactics to settle claims for the least possible amount. A skilled lawyer can advocate on your behalf, ensuring that you receive the full benefits to which you are entitled.
4. Evidence Gathering:
A lawyer can assist in gathering and presenting the necessary medical evidence, ensuring that your case is thoroughly documented. This includes obtaining expert opinions and testimonials to strengthen your claim and refute the grounds on which benefits were denied or terminated.
5. Relief from Emotional Stress:
Facing denial or termination of LTD benefits can be emotionally draining. Having a lawyer to handle the legal aspects allows you to focus on your health and well-being while knowing that a dedicated professional is fighting for your rights.
In the face of denial or termination, remember that legal support is not just an option – it’s a necessity. Don’t let insurance companies take advantage of your vulnerability; consult with a disability insurance lawyer to ensure that you receive the benefits you rightfully deserve.
