Your job is your livelihood. You depend on your paycheck to support yourself and your family—so what happens if you get hurt and can’t go back to work for weeks, months, or years? If you have long-term disability insurance, you can file a claim with your insurance provider to receive replacement income for the duration of your injury, but it’s not always easy to get the money you deserve.
Insurance companies are in business to maximize their profits—not pay out money to their clients. At Matt Hardin Law, our Nashville long-term disability insurance lawyers believe that injured victims like you are entitled to every last penny of the money you’ve paid into your own insurance plan if you can’t return to work. To speak with our legal team, dial (615) 200-1111 or complete a free online form. We’ll put our two decades of experience to work for your family, and we won’t rest until we’ve helped you get the money you deserve.
Almost everyone assumes that purchasing long-term disability insurance means that they will be covered in the event of an accident, illness, or injury that prevents them from working, but the truth is that insurance companies regularly reduce or deny claims from their own clients. The reasons that claims are reduced or denied can vary significantly, but some of the most common circumstances include:
Filing a claim with your insurance company when you can no longer work requires submitting several pieces of documentation describing your injuries, their severity, and how long they’re expected to last or interfere with your ability to work. Some insurance companies misplace documents sent by customers, and others may arbitrarily request more information after you’ve already submitted the original documents.
It’s common for insurance companies and their teams of adjusters to assume that their clients aren’t actually disabled or that the injuries and illnesses they’re suffering from are less severe than what the clients describe. In many cases, clients must jump through hoops to prove beyond a doubt that their conditions prevent them from doing the work they did before or from doing any work at all.
Even submitting full documentation describing your injury or illness isn’t considered enough proof for some insurance companies, as they may question symptoms like pain and fatigue as being too vague and not indicative of a disabling condition. In other cases, adjusters will claim that certain illnesses and injuries should heal within a certain timeframe and use that explanation to reduce or deny your compensation.
In some cases, insurance companies will claim that an injured client’s coverage is either unable to be located, is no longer active due to missed payments or cancellation, or never existed in the first place. Knowing your policy number and other pertinent information regarding your account, including confirmation numbers for payments or receipts, can help prove that your coverage exists and payments are up to date.
There are deadlines for both filing your initial claim for compensation after you develop an illness or injury that prevents you from working and deadlines for filing an appeal if your claim is denied. It’s important to remember these deadlines and stay well within these timeframes, as missing a single deadline can seriously jeopardize your chances of getting the money you deserve.
When you decide to get a Nashville long-term disability insurance attorney on your side, it’s important that you get a law firm that understands the best way to handle an appeal every step of the way. In addition, you also need an attorney that’s willing to take the time to walk you through the process and make sure you feel comfortable with the way your appeal is progressing and the necessary steps that must be taken to maximize your chances of getting the full benefits you deserve.
To learn more about how we help clients like you appeal their LTD denials, check out the pages below:
Although insurance companies frequently deny claims, our Nashville long-term disability insurance lawyers know their tactics and their tricks of the trade. We stay one step ahead of the insurance adjusters, and we prepare appeals that are accurate, complete, packed full of evidence, and submitted well before the deadline.
If your claim was denied, it’s important that you act fast to avoid missing important deadlines and to give us the necessary amount of time to gather evidence to build an appeal that the insurance company simply can’t ignore. Contact us today at (615) 200-1111 or by completing a free online form. We’re here to help you get the money you need to support your family.