Do I Need to Hire An Attorney if My Long Term Disability Benefits Are Denied?
Disability insurance claim denied? Listen as disability benefits attorney John Tucker discusses whether you need to hire an attorney if your insurance company has denied your Long Term Disability benefits.
There are several reasons to hire an attorney if your disability insurance company has denied your LTD claim. First, attorneys are trained in reading various insurance policies and plan documents, while understanding how courts have interpreted the policy terms. A knowledgeable disability benefits attorney can use their knowledge about disability insurance policies to your situation.
Second, attorneys are also trained in evidence. Your medical records are not enough; you will want an attorney to develop evidence from doctors, hire a vocational experts – if needed – or recommend a certain test of which you may not have been aware.
The third reason you will want the assistance of an attorney is to combat the unfair tactics used by insurance companies. LTD insurance carriers are known to apply policy terms in a way that you may not understand. They cherry-pick information in your medical records that supports their case. They have also been known to hire an investigator to follow you with a camera and edit the surveillance video to make it seem like you can do more than you really can.