Do you really need a long-term disability attorney? 

Hiring an LTD lawyer is your best bet for a successful outcome in a process that makes failure all too easy. Filing a claim for long-term disability can be tricky, and this is especially true if you have long-term disability insurance through your employer. The Employee Retirement Income Security Act (ERISA) provides specific time limits and procedures for filing claims, which makes the process so arduous and complicated that the simplest mistake could cost you your benefits. Things like incorrectly filling out a form or missing just one deadline are all it takes to jeopardize your benefits.

How can a long-term disability lawyer help?

Your lawyer will have experience with the ERISA rules and regulations, which makes them uniquely capable of assisting you throughout the entire process. Your lawyer will guide you every step of the way, but especially in the following areas:

  • Preparing your claim – A lack of medical evidence is an incredibly common reason for denied claims, and your lawyer knows what evidence you need and how to get it.
  • Vocational experts – Your LTD carrier will often hire their own “independent” vocational experts to testify about the requirements of your job or even the labor market itself, but it can be risky to leave it up to them. Depending on  your policy, your attorney may hire other vocational experts to testify on your behalf.
  • Representation through each step – Your LTD attorney will also be there to ensure that everything is filed on time, they will communicate with your plan administrator or LTD carrier and they will be able to coordinate settlement negotiations.

Now that you know why it is important to hire an LTD lawyer, it is time to learn about when you should hire one. Stay tuned for our next blog to learn more.