A long-term disability claim should be straightforward, but insurance companies use any excuse to deny claims and get out of paying the funds. That, paired with the complex laws that govern how claims are processed, can make it difficult to navigate long-term disability benefits. Finding an experienced long-term disability lawyer in Little Rock, AR simplifies the process and ensures you have an advocate.
Health Conditions That Qualify for Long-Term Disability Benefits
Several conditions might qualify you to receive long-term disability benefits, including injuries from an accident and chronic illnesses. You typically qualify to file a claim if you have long-term disability coverage and are unable to work due to those conditions.
Here are some common qualifying conditions:
- Traumatic brain injuries
- Spinal cord injuries
- Heart disease
- Stroke
- Cancer
- Diabetes
- Chronic obstructive pulmonary disease
- Immune system disorders
- Mental health disorders
Reasons Why Your Long-Term Disability Claim Might Be Denied
The first step in determining your eligibility is ensuring your condition falls under long-term disability coverage. Even if it does, you could have your claim denied for various reasons, including the following:
- You don’t receive regular medical treatment for the condition.
- You’re missing medical records to support the diagnosis.
- You don’t have a statement from your doctor.
- Your condition doesn’t qualify as a disability, according to your policy’s definition.
- Your condition is excluded from the policy.
- Evidence shows you don’t have a disability, such as an uncovered video of you moving without issues.
- You miss filing deadlines.
- There are errors in your claim.
- Mistakes appear on the part of the claims representative, resulting in wrongful denial.
How a Long-Term Disability Lawyer Can Help
An accurate long-term disability claim is essential to receive your benefits. However, policy terms are often complicated to understand. You must also complete the forms accurately, provide all requested documentation, and meet specified deadlines.
An experienced long-term disability lawyer knows how to complete the forms correctly to minimize the chances of denial. Your attorney also helps you gather the supporting documents you need for approval.
Serving Clients in Little Rock, AR and Throughout the Mid-South
The law offices of John E. Dunlap, P.C. can assist you with the long-term disability process, whether you’re applying for the first time or fighting a denial. We provide legal guidance, help you prove your disability, and seek court orders for payments when necessary. Our team also helps if you have issues after your claim is approved, including under-compensated or delayed payments.
Dealing with other benefits situations? We can also help with short-term disability claims and Social Security disability cases, from initial filing to appealing a denial. After reviewing your case, we can determine how to appeal and represent you throughout the process, from contacting the Social Security Administration to taking the case to court. We’re also here to help you explore other options if your claim is denied. If you need legal advice on any type of disability benefits, we can help.
Get in Touch With Us
Do you need help from a long-term disability lawyer in Little Rock? We’re here to help. Our attorneys have the knowledge and experience to handle long-term disability cases. Contact us today to schedule a free 20-minute initial consultation and find out how our legal services can help you get the benefits you need and deserve.