If you suffer from a medical condition or an injury that is affecting your ability to work, you need a disability insurance lawyer, fast! If you are faced with the prospect of seeing your main source of income go up in smokes due to a disability that has made it difficult for you to continue working, don’t hesitate to hire a disability insurance lawyer.
But when should you contact a disability insurance lawyer? What are some of the signs that you need to hire a disability insurance lawyer?
1. A Disabling Injury or Illness
If a medical condition such as an injury or an illness has made it impossible for you to continue working, you should file a disability claim. If awarded, the compensation will cushion you from lost financial benefits by providing for you and your family during the weeks, months or years you will be indisposed.
2. A Denied Claim
In most cases when you decide to go it alone, you risk having your claim denied. However, this should not halt your quest for compensation. It is not the end of the road. In fact, many successful claims were initially denied. Rather than give up, contact a reputable disability insurance lawyer with requisite experience in handling successful claims. If an attorney has never handled a successful claim, you will need to have extreme faith to believe that yours will be the exception. Don’t take the chance. Always go with an experienced disability insurance lawyer.
3. The Process Is Too Complicated
Filing a claim for compensation from an insurance company is never easy. The process is designed to dissuade you from seeking compensation or deny you compensation should you apply. But then again, insurance lawyers go through rigorous training just so they can simplify the process for you.
If you cannot make sense of the many complicated claim documents that you are supposed to fill, you definitely need to get a disability insurance lawyer quickly. Compensation claims documents contain loopholes inserted strategically by insurance companies to deny your legitimate claim. With a disability insurance lawyer, you can rest assured that the process will be simplified and the loopholes identified and sealed.
4. The Insurance Company Is Drawing Circles Around You
If the insurance company keeps drawing circles around you, claiming that you never sent the claim documents when you are certain you did, or are perpetually putting you on hold, or perhaps they rarely respond to your inquiries, someone is trying to frustrate the process so that you can give up the chase. A word of advice: get a disability insurance lawyer to apply heat on the company. You will quickly notice a sudden change in tact.
5. You Have No Idea What Questions to Ask
You cannot get answers to questions you never asked in the first place. When it comes to disability insurance claims, you have to ask the right questions to get the appropriate response. Asking the wrong questions is a sure recipe for having your claim denied. Instead of taking such a chance, get an experienced disability lawyer to handle the case on your behalf. Such a lawyer knows not only what questions to ask, but also the answers to expect.
6. You Are Being Pressured to Sign Documents
If you have the slightest hint that the insurance company is in a hurry to get you to sign a claim, it’s a good idea to stall, at least until your disability insurance lawyer has perused the document with a toothcomb. Don’t ever allow yourself to be pressured into signing documents, accepting a settlement, or giving statements. A disability lawyer is better placed to advise you on what to do.
If you hire an experienced disability insurance lawyer, you can be certain that he or she will wring out from the insurance company the best possible compensation package for you.
