Whether you are covered at work by a long term disability (LTD) policy or you have private LTD coverage, there are many times that your insurance company will not pay the benefits you are supposed to receive and for which you paid premiums. Maybe they have been paying you for a while but now, according to their doctors, or according to their analysis, you no longer qualify. They threaten to cut you off. Or maybe they did cut you off. This is after sending you letters, asking for further reports, examinations and giving you the proverbial runaround. You would like to be able to go back to work but you know you just can’t handle it and your own doctor supports you. The stress is mounting. What do you do?
This is a common scenario. Insurers don’t like to keep people on disability benefits for a long time. They often will dispute at some point all but the most obvious cases of continued disability. They want to cut their losses and they know that many people will accept their decision. They know you’ll be disgruntled but they also know that many people will simply not put up a fight. But you know that’s not fair. Sometimes it gets worse. Your employer threatens to dismiss you or actually terminates you.
Yes. Depending on the nature of your circumstances, if your doctor continues to endorse your absence from work, despite the insurer’s point of view and decision, you may have a very strong case for compensation. But you need an advocate who knows the ropes and who will, with compassion, affordably and effectively settle your claim.
There are time limits that must be respected. It is imperative that you contact a lawyer to get your case going. At the very least you owe it to yourself to know your rights. Feel free to contact us by telephone or by email for a free consultation. As in all our cases you will benefit from our experience, success and from our policy of win-or-it’s-free.
We are proud of the way we personally take care of your case. Like every individual, every case is unique. By all means get your free consultation and take advantage of our policy of “win or it’s free”. Why do doctors and other lawyers recommend us? Because we are affordable and effective – Lawyers You Can Trust