The debate on whether one should hire a long-term disability lawyer or not considering the notion that it is too expensive to have these professionals is ill-placed in modern times. Primarily, this is because it has become a known fact, which you will accept sooner or later, that handling long-term disability claims is never a walk in the park. Considering this comes at a time when you are dealing with an injury or illness that makes you unable to perform your duties as in the past, it is never the best of moments to play games with the insurance company.
Instead of taking the gamble and having to be subject to a lot of unwanted frustrations, a St Petersburg long-term disability lawyer comes as the perfect solution that will enable you to turn the tables and have the upper hand. Unlike what is always the norm, the services of a professional attorney do not only come in handy after a claim has been denied but should be the go-to partner right from the start. The primary ways that a specialized lawyer will be influential in guaranteeing a favourable outcome are;
- Ensuring that the appeal is 100% correct and foolproof
The reason most initial disability claims are rejected by most insurance companies is that the applicant makes mistakes, which is the first step to having a frustrating experience. The Employment Retirement Income Security Act, commonly known as ERISA, provides specific procedures that an attorney will ensure are adhered to without any errors. Even for a private disability insurance policy that is governed by state laws, a long-term disability lawyer will give you the confidence of a correct application.
- All deadlines will be beaten
One thing that you should know from the onset is that there are strict disability claim policies, especially on the timelines which insurance carriers have always used to their advantage. One of these short window periods is the 180-day timeline within which one should appeal a denied claim. Experienced disability lawyers have spent years working with lots of other clients who were in a similar position and have all it takes to ensure time is not a limiting factor. All the inconveniences of last-minute rushes are therefore avoided, and you get to rely on a process that is centred on your satisfaction.
- Professional representation and a solid case
Insurance adjusters are well-trained for their duties, and this ensures that the company they work for has a solid financial bottom line. This can only be achieved by ensuring that they reject as many claims as possible, and when they have to pay, they take measures to make it the least amount possible. To achieve this, they always come up with counter-attacks to minimize the kind of injuries sustained or the impacts of the illness that makes you unable to work. A long-term disability lawyer understands all the tactics used by these crafty professionals and will have a solid case that will be hard to reject. In the end, this ensures that you avoid the numerous pitfalls and have the deserved benefits without having to go individually handle all the stress and pressures.
