Nationwide LTD Claim Attorneys
If you have become disabled in the United States, you may be feeling overwhelmed by your increasing medical bills. Additionally, if you are not able to return to work and don’t believe that you will be able to, you may be feeling the stress of lost wages. You may be eligible for long term disability benefits that can help offset some of these financial burdens so you can adjust to your new reality. The legal team at Walker & Hern has decades of experience practicing law and will take that experience and in-depth knowledge of legal and medical issues to fight for your future. When claims are denied, our firm fights on your behalf to appeal the decision. If necessary, we will represent you in court. Contact Walker & Hern today to learn how we can be your advocate during the long term disability claims process.
What is LTD?
Long Term Disability Insurance can be a great resource for anyone who has become seriously ill or injured and cannot return to work as a result. With medical bills quickly piling up and much-needed income lost due to the inability to continue working, becoming disabled can be a very stressful period of time. Long term disability insurance can help mitigate some of these financial burdens and provide coverage for your medical bills and lost wages. When your claim is approved and you start getting payments, you may either request that you receive one lump sum or monthly payments. Keep in mind that insurance companies may try to undermine you and not give you the settlement you are entitled to. Therefore, it is important to retain the services of an experienced long term disability insurance attorney who can walk you through each step of the process.
Do I have a claim?
Many people who have become disabled wonder if their disability actually qualifies them to receive long term disability insurance benefits. Disabilities can come from either an injury or an illness that has rendered you unable to work. There is a range of conditions that may qualify you to receive long term disability benefits, including the following:
- Vision loss or blindness
- Hearing loss or deafness
- Mental health issues, including depression, anxiety, and panic disorders
- Parkinson’s Disease
- Neurological disorders
- Autoimmune diseases
- Lyme disease
- Serious back injuries
- Multiple Sclerosis
- Rheumatoid Arthritis
- Fibromyalgia and chronic pain
Filing a Claim
If you are considering filing a long term disability claim, it is important that you speak with either your employer or insurer to understand your policy. You must file your claim within 180 days. When preparing your claim, it is critical that you have all of your medical records and doctor’s opinions to prove that you are truly in pain and disabled. You should include hospital records, doctor’s notes, MRI results, x-rays, and more. Your doctor should draft a detailed report discussing your medical history as well as the issues you are currently facing. This report should be as descriptive of your condition and pain as possible in an effort to reduce the chances of your claim being denied by the insurance company.
Contact a Long Term Disability Attorney
If you have become disabled and need assistance with your claim, Walker & Hern is ready to help. Our firm will guide you every step of the way to help you achieve the best possible outcome. If your claim is initially denied, we will act as your advocates during the appeals process and help you overcome the hurdles presented by the insurance company. If you need an experienced legal team to lead you through the process of long term disability insurance, contact Walker & Hern today.