One of the most frustrating situations for a client with disability insurance occurs when they have to access insurance they have paid for, often for years, and are denied the support they are owed, the support they expected to have available should they the worst would happen. There are so many loops to go through to successfully claim disability insurance with most insurance companies, and for many people, the process is so difficult, time-consuming, and overwhelming that, at the end of the day, when they are denied disability coverage, they think it’s the end and have no recourse. This, however, is not necessarily the case. While there may have been a time when a person whose disability insurance claim was denied had little to no choice, this is not always the case today. In fact, with the proper legal representation of an experienced disability insurance lawyer, the lawsuit for denied disability claims can be fought and even won.

What is Disability Insurance?

Disability denied attorneys come into play for those who have had a disability insurance claim denied, but first you need to understand the importance of disability insurance. Most of us understand the importance of life insurance, but the reality is that accidents or illness can prevent a person from being able to work to support themselves. For this reason, disability insurance is just as important as life insurance. In fact, a typical 30-year-old is 4 times more likely to become disabled than to die before age 65.

There are two main types of disability insurance: long-term disability and critical illness. Disability insurance will provide a monthly income if a person is unable to work due to serious injury or illness; Critical illness insurance pays a tax-free lump sum upon diagnosis of a policy-listed illness. When it comes to filing a claim, it is the claimant’s responsibility to establish that they are disabled within the limits of the policy. Proof must be provided by the claimant to qualify for disability benefits, and this proof must stand up to scrutiny. Since claim reporting and claim interpretation are subjective, the potential for claim denial can be high in many situations. Once a claim is denied, recourse is limited to the court: disability denied attorneys can help expedite the claimant’s filing, making it much more likely that the settlement will be approved and won.

How to choose a lawyer or law firm

Disability denial attorneys can be found throughout the legal industry, but you want to make sure you choose an attorney or law firm with the best chance of getting results for you with the least amount of up-front risk. The reality is that while you are vulnerable and could easily be taken advantage of, your resources will be limited and this should be part of your consideration. You’ll find that most law firms or lawyers will ask for payment up front regardless of the outcome of the case or how much it will cost, win or lose, payment you probably won’t have considering you’re fighting a denied disability claim. how are the things going. However, there are some law firms that will not require payment upfront. Some disability denied attorneys will work on a percentage fee basis, and there will be no fee until the claim is resolved. Do your research before hiring a disability denied lawyer to fight your case.