LTD Denied – Is It Mandatory to Appeal or Should I Hire a Lawyer?

LTD Denied – Is It Mandatory to Appeal or Should I Hire a Lawyer?

If your insurance company has denied your long term disability claim, you may be considering whether to follow the insurer’s appeal process or hire a lawyer.

Appeals are not mandatory. Generally, an appeal may be effective if you failed to provide detailed medical reports from your specialists in your initial application.

If, however, you have already provided extensive information and there is nothing dramatically different to report to the insurance company, an appeal is unlikely to yield results, as insurance companies rarely overturn their original decisions. Furthermore, spending the time preparing an appeal and waiting months for a response, only to be denied again, is a waste of precious time that a lawyer could use to push your claim forward in the courts.

When you hire a lawyer to sue the insurance company for breaching their contract with you, you send the message that you mean business. An experienced professional who is well versed in insurance contract language can help you understand your rights and obligations and negotiate the maximum settlement you are entitled to. They will fight strategically and aggressively on your behalf, taking the stress off your shoulders and allowing you to focus on your health.

Hiring a lawyer means you have a knowledgeable advocate on your side who will successfully navigate the complex policy roadblocks the insurance companies intentionally put in your way. Without a lawyer, claimants are at the mercy of their own limited knowledge.

If you are worried about the expense of hiring a lawyer, find one that works on a contingency fee basis, which means that you don’t pay until your case has been settled.

Has your disability insurance claim been denied? Contact Share Lawyers and put our experience to work for you.

All initial consultations with our lawyers are free and there are no fees until we win your case.