Disability: Avoid Being Denied Deserved Benefits
Perhaps the only thing more frustrating than dealing with a disability is having your disability benefits denied. Unfortunately, however, this is the case for thousands of Americans who, unable to return to work and without their rightful benefits, face financial hardships or even ruin. A denial of benefits does not have to be the end of the world, though. In actuality, the insurance company's decision may be overturned in a variety of circumstances if the individual simply knows which steps he/she should take.
In the next few paragraphs, you will learn the most popular options for those who have had their disability benefits wrongly denied. Please remember, however, that cases vary widely in their individual circumstances. While this may serve as a useful guideline, results will, of course, vary.
Disability Benefits Denied? What Next?
In "Disability Benefits Denied? What Next?", you will introduced to your legal options in the case that your insurance company and/or employer refuses to give you your deserved disability benefits. Nevertheless, we at www.factexpert.com thoroughly recommend that you do extensive further research before making any final decisions.
If you have not already done so, your first step should be to hire a disability lawyer. It is very important to note that disability law, just like criminal law, is a specialty, and you should try to find an attorney who works either solely or mostly in this field. Attorneys are advantageous for several reasons. First of all, attorneys deal with similar situations every day, and are generally very aware of how insurance companies work. Secondly, they may know of legal loopholes that did not show up in an individual's research. Finally, if you have had your disability benefits denied, it is probably because you did not provide the insurance company with adequate evidence that you deserve the benefits. Because lawyers generally know what kind of evidence the insurance companies are looking for, they may be able to help you build a stronger case.
Before actually taking the insurance company to court, most clients make an appeal. In many situations, an appeal, especially if it is accompanied by a stronger case, will result in benefits. It also helps to show the insurance company that you are serious about your right to benefits and suggests that you will take them to court if necessary.
If your appeal still does not result in benefits, your next step would be to take the company to court. If your disability is long-term, this might be your only possible solution. Before taking this approach, however, you might want to carefully consider your financial situation. Court cases are often timely and expensive, and they often end in disappointment. Having a competent attorney is crucial if you decide to pursue this legal pathway.
While dealing with both your insurance company/employer and a disability can be difficult, education is the key to making this journey as easy as possible. Educate yourself as much as possible on both your personal disability and the policies of your insurance company so that, if necessary, you will be able to help your lawyer help you. Good luck!
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