Attorney for Long Term Disability Denials
What is long term disability insurance? It provides a portion of your salary to cover living expenses for the insured person when illness or injury prevents them from being able to work for an extended period. Filing a claim for benefits when you have been paying for your policy through work should be straightforward, but often it is the opposite. Long term disability denials add stress when you are already suffering from your injury, and you may feel like you have no way to provide for yourself and your family. But receiving a letter of denial is not the end of the road, you do have options.
Long term disability insurance is not just for worker’s compensation for on-the-job injuries. In fact, more than 95 percent of long term disability claims are for non-work related injuries or illnesses. Chronic or long term illnesses, including cancer, degenerative diseases, and mental illness, may all be covered by your long term disability policy.
If your initial claim has been denied or you want assistance to find out if you are eligible for benefits, contact Chelsie King Garza. She can help you understand the process and successfully access your benefits.
What to Do if Your Long Term Disability Coverage Has Been Denied
Here’s the deal.
For many people who have paid for disability coverage through work for years, receiving a long term disability denial is overwhelming, and doesn’t make sense. Unfortunately, the reality is that insurance companies look for any possible reason to deny a valid claim or try to pay you less than you should receive.
Bad Faith Insurance Fraud is a term used when an insurer does not honor its policy with you and includes unreasonable reasons for denial, unnecessary delays or termination of a policy; as well as misclassifying injuries to deny claims; and concealing benefits. Insurance companies are known for using complicated forms that are hard to understand and complete; long delays in the review process; and unreasonable documentation requests.
Having your claim denied is NOT the end. You can appeal your claim with the help of a well-qualified long term disability denial attorney in Houston. In many cases, having an attorney from the beginning of the process will prevent the use of the delay tactics mentioned above. And if you are denied, having an attorney with experience in long term disability claims is even more important.
Contact a Long Term Disability Denial Attorney
When you have been diagnosed with a chronic illness or disabling injury, it is important to avoid additional stress about how to pay the bills and take care of your family. The Houston disability denial attorney, Chelsie King Garza is here to handle the process on your behalf. Contact Chelsie today. She will help you exercise your right to benefits. She will help you get assistance to appeal your disability denial.