To have paid into your disability insurance for years and then be refused the benefits you are entitled to get when you really need them is one of the most aggravating things that can happen to a client. Disability insurance claims can be complicated and time-consuming to process with most insurance providers; as a result, many policyholders give up when they are initially denied disability coverage because they believe they have exhausted all of their options. However, this is not always the case. There was once a time when a person whose disability insurance claim was refused had few if any recourses, but this is not necessarily the case now. In truth, the rejected disability claims case may be contested and won with the help of an expert disability insurance lawyer.
Disability Insurance: What Is It?
If your disability insurance claim was rejected, you may want to speak with a denied disability lawyer, but first you need know why disability insurance is so crucial. As most of us know, accidents and illnesses may leave people unable to work and support themselves financially, making life insurance a need. Because of this, disability insurance should be considered on par with life insurance. The odds of a normal 30-year-old being disabled are four times higher than the odds of dying before 65.
Long-term disability insurance and critical illness insurance are the two most common kinds of disability protection. Critical sickness insurance provides a tax-free lump amount upon detection of an illness covered by the policy, whereas disability insurance provides a monthly income in the event of a covered disability. In order to get benefits under a disability insurance policy, the policyholder must prove the policyholder’s disability. The claimant is responsible for providing evidence that supports their case for disability payments. There is a considerable risk that a claim will be denied since the reporting and evaluation of the claim are both subjective. Once a claim is refused, the only option is to take it to court, where denied disability attorneys may greatly improve the claimant’s chances of having their case accepted and receiving a compensation.
Selecting an Attorney or Law Firm
You can find attorneys who specialize in helping people who have had their disability benefits denied, but it’s important to choose one who has a track record of success for clients like you and who won’t put you out of pocket too much. The fact that you will have limited resources does not change the fact that we are vulnerable and readily exploitable. Most legal companies and individual attorneys need payment in full before taking on a case, whether or not they believe they will succeed in getting you compensation for your refused disability claim. This is money you likely do not have right now. Some legal services, however, do not need payment in advance. Some attorneys who specialize in disability claims denials charge no money unless and until they win their client’s case. Before engaging a lawyer to fight for your disability benefits after being refused, you should do extensive study.