Long Term Disability Benefits In Jeopardy? Fight Back!
Ever attempted to push a rope uphill? Trying to overcome long term disability benefits denials can feel just that way: nearly impossible, frustrating and overwhelming. You may not even be aware that y...
One of the first realizations you need to make is that your chances of winning many of these denial situations can be very low. Most people who are caught in these quagmires have very limited experience dealing with the bureaucratically run government offices or with billion-dollar insurance companies.
Understanding there are professionals who have dedicated their careers to fighting for justice and getting what is owed to people just like yourself is the first step you'll want to take in your path toward success. Most likely you'll discover you need some legal representation. While there are services that are not licensed attorneys that will help you file papers and register appeals, when the time comes, and it is likely to come, for you to fight in a court of law, you will need a competent lawyer, so itís best to find them to begin with.
Do a little research before you decide who you should have represent you in your case. If they aren't well versed in the process of long term disability benefits denial, move on. They should understand how insurance companies treat their denied claims and have a track record of dealing with and winning cases for their clients.
Whether youíre dealing with a life insurance, long term disability insurance or an ERISA claim, it is important to understand each of these types of suits have very different aspects associated with them. Just because an attorney may have been fortunate enough to claim a victory in one type does not necessarily mean they have the knowledge, experience and expertise to win in another category.
The government is also a perpetrator when it comes to denying benefits for legitimate claims. Sometimes their reasons are legitimate bureaucratic delays, and just as often they are guilty of trying to do whatever it takes to prevent a claim from being paid.
Either way, you need to have someone on your team who can navigate the choppy waters, discern what the true situation is and then proceed to find the smoothest and fastest passage through to victory.
While rich corporations may have billions of dollars behind them, government agencies have decades of red tape and countless pages of rules and regulations that can slow down and eventually prevent claims from being paid.
Whomever you choose to represent you in your long term disability benefits case, make sure they are well versed in matters at both the state and federal court levels. Another effective stalling tactic many private companies employ is to attempt to have you wallow in one venue when you might make better progress in another.
Your attorney should be able to negotiate with power and aplomb and get you closer to the results you deserve. Appeals processes are complex and can fell even the brightest. You definitely want someone with experience and the ability to overcome whatever will be thrown at your case in order to make you withdraw or simply go away.
There is a lot in life which is not fair, and having your long term disability benefits questioned, delayed or denied definitely falls into this category. Just hang in there, seek a qualified, professional and honest firm that will represent you fairly. If you deserve justice and your benefits, you'll get them sooner rather than later.
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ABOUT THE AUTHOR
Sandy Winslow is a writer on many topics, including long term disability benefits. Mired in long term disability benefits denials? Unsure how to proceed effectively? There are ways for you to take control and win your case.