Most people don’t think that they will become disabled, but a sizable number of people will at some point during their working years. Long-term disability insurance is meant to provide coverage to people whose disabling conditions prevent them from returning to their jobs by replacing a percentage of their former incomes. If you have this coverage and your claim has been denied, you will likely need help from the experienced attorneys at Osterhout Berger Disability Law. We are proud to represent people who live in Ocala, Florida with their long-term disability claims and appeals.
Appealing a Denied Claim
If your claim for long-term disability benefits is denied, your company will notify you via mail. Your letter will contain information about the reasons for the denial along with how you can go about filing your appeal. Long-term disability appeals first must proceed through the insurance companies’ internal process before they may be litigated in court. You must meet the deadline that is listed in your letter or your ability to later seek benefits may be forever foreclosed.
Things to Keep in Mind
Certain mistakes may be fatal to your claim, so it is important for you to avoid them. Don’t simply give up and not appeal the denial. Many people have their claims approved when they appeal their denials. You should also not send off your appeal without reviewing the contents of your record. Contact your company and request that they send a complete copy of your file. Make certain to request that all communication about your claim is conducted in writing. When you submit documents, make certain to do so by return receipt certified mail.
The importance of getting help from an experienced attorney from Osterhout Berger Disability Law cannot be emphasized enough. Our experienced lawyers understand the types of evidence that might make it likelier that your claim will be successful. Finally, don’t give up and stop seeing your doctor. Having a solid treatment record may help to demonstrate the extent of your injuries and the severity of your symptoms.
Getting the Benefits You Deserve
When you come in for your appointment with the attorneys at Osterhout Berger Disability Law, make certain to bring your denial letter along with a copy of your file. We will review the evidence that is contained in your file in order to pinpoint how best to approach your appeal. We may send you for additional testing and submit documentation to supplement the records that your insurance company already has. Our goal will be to build the most robust and complete record showing that you deserve to receive disability benefits for your condition.
We may also encourage you to apply for other types of benefits, including workers’ compensation and social security disability. If you are approved for these benefits, you will have strong evidence that your condition is disabling to the point that you are unable to return to your job. We may also ask that you keep a daily diary of your symptoms and the pain that you experience because this can help to give a more accurate picture of how your daily life and ability to function has been impacted by your condition.
At Osterhout Berger Disability Law, we prioritize our clients and their needs in order to help them to receive the benefits they should be awarded. We will work closely with you and your doctor in an effort to help you to be successful with your appeal of your benefits denial. Contact us today to get started on your case.