Is it mandatory to appeal or should I 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.
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.
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.
The insurance company has cited “insufficient medical evidence” as the reason for denying my LTD claim. I have post-traumatic stress disorder but they seem to think that I have been misdiagnosed. My psychologist refuses to write anymore reports. I’m at a loss - is it time to hire a lawyer?
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.