Louisiana Long-Term Disability Benefits
Video: ERISA – Long term disability
Long term disability claims often favor the insurance companies. J. Price McNamara talks about how you can protect your rights and improve your chances of receiving benefits.
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After suffering an accident in which you sustained long-term or permanently disabling injuries, you’ll need to start thinking about your future. You’re most likely unable to return to work for a long period of time, meaning you’ll need financial support. Medical bills will also be a concern as rehabilitation and long-term care are costly expenses.
Reasons for Long-Term Disability Claim Denial
Many accident victims find their long-term disability claims being denied for various reasons. The most common excuses given by long-term disability providers include:
- inadequate proof you are disabled
- the cause of the disability is excluded from coverage
- no coverage for your type of disability
- doubt of inability to return to work
- length of disabled status
Insurance companies are always reluctant to pay out settlements on cases, because it has a direct impact on their bottom line. Their goal is to settle your long-term disability claim for the lowest amount possible, if not deny it completely.
Proper Long-Term Disability Claim Filing
Before filing your claim make sure that you have all your paperwork in order. A New Orleans personal injury lawyer can help you review your insurance policy and determine if your long-term disability is covered by your policy. Next, you will need to gather your proof of disability. Things like doctors reports, medical bills, and evidence from the accident are all excellent proofs of disability.
Your insurance company may conduct exams or interviews to determine your level and severity of your disability and decide if it is a long-term disability or not. Many policies have a threshold that you must reach to be considered as long-term disabled. If your disability does not meet their requirements to be classified as a long-term disability, your claim may be reduced or even dismissed.
When to Contact a New Orleans Personal Injury Lawyer
There are many provisions and conditions to understand when preparing to file a long-term disability claim. If you feel as if your long-term disability insurance coverage is not sufficient to cover your medical bills, you may need help filing a Louisiana personal injury lawsuit. A New Orleans personal injury lawyer can help you with this process.
The New Orleans personal injury lawyer team at the Law Offices of J. Price McNamara can help you fight for the compensation you deserve. Contact us to schedule your FREE legal consultation today – (866) 248-0580.