Finding yourself suddenly disabled can be difficult. If you were an active and vibrant person, if you had health and the full use of your limbs and organs, it can be hard to cope with your new situation. However, adjustments must be made. Putting a claim into your insurance company is the place to start. If your claim has been put on hold or outright rejected, you must take decisive action. You should begin by hiring a lawyer.
First Steps
You need not sue the insurance company straightaway. Your claim may not have been processed for any number of reasons. The paperwork for insurance claims is not always clear and it is quite easy to make an honest mistake. The delay could also owe to bureaucratic bungling on the part of the insurer. A lawyer with extensive expertise and experience in handling these kinds of claims will get to the bottom of the trouble. Such lawyers speak the jargon and parlance of insurance companies, and they can find out why your claim has not been processed. If there was a mistake or misunderstanding, your lawyer will be able to clear the matter up quickly. If your claim was rejected, then they will advise you on the next step.
The Need to Remake Your Life
Dealing with long-term disability is like learning a new profession—and not one of your choosing. Simple tasks that you used to execute without a thought will become harder to get through. You will have to transform the way that you live and remake the environment around you. This requires money, and you should receive funds from the insurance policy that you have paid into all these years.
If you have insurance, you should not have to borrow money and risk bankruptcy to get the care you need. It is essential that you break the impasse with your insurance company and compel them to give you the money you are entitled to.
How Your Lawyer Can Help
There are occasions when the threat of a lawsuit forces the hand of an insurance company and they do the right thing. However, this rarely happens. They are usually willing to fight for their right to deny their own clients the money they owe them. Their usual tactic is to deny that the injuries you have sustained meet the criteria for the pay-out you are demanding. They may also point out obscure passages in the policy that gives them the right to deny you money.
Long-term disability lawyers are used to such moves. Your attorney will respond by putting forth the medical documentation that proves the nature and extent of your injuries. They will also submit statements from expert that explain the care that you will need in order to survive. Your lawyer will also challenge the legitimacy and legality of the passages invoked by the insurers. Courts have ruled that some of the practices of insurers illegal, and your attorney will use these precedents.
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