FAQ – Long-Term Disability Insurance


A: You should contact a disability benefits lawyer as soon as the insurance company denies your claim. Appeals that are offered to you can be meaningless and your lawyer can advise whether there is any point in “appealing” or simply proceeding with legal action without further delay.

A: The insurance company representatives may attempt to deny your claim by suggesting that you have not provided proper evidence of medical disability. The insurer may also claim that your specific ailment is not quantifiable (such as depression or psychiatric disorders) and therefore not subject to benefits. Your disability lawyer can combat this by getting thorough documentation from your physician and clearly showing that you are disabled under the language of your policy.

A: The amount you will receive will depend on your unique situation. Your disability lawyer will go over your policy with a fine tooth comb to define the legal definition of “disabled”, discover when you should have started receiving benefits, and determine what amount you should receive.

A: This is an option that you can explore, however, the vast majority of claims that Share Lawyers handles are claims that have already been denied by the insurance company.
Our online guide Do’s and Don’ts can provide some tips on how to complete insurance claim forms.

A: Share Lawyers does not require a down payment or retainer from its long-term disability insurance clients. Our lawyers operate on a contingency fee basis, where all costs are covered up front by our firm, and the lawyer collects his or her fee only in the event of a recovery.

A: There are time limits to all long-term disability insurance claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.