How Can an Attorney Help with My Long-Term Disability Claim or Appeal?

Many Pennsylvania residents rely on long-term disability benefits in order to get the income they need to live fruitful lives. Obtaining those benefits, however, can sometimes be a challenge. Long-term disability programs can be extremely competitive and have strict requirements that must be met in order to qualify. Insurance companies may also want to try to deny benefits in order to avoid paying out an expensive policy. They have every incentive to fight back, at least initially, against a long-term disability claim. Individuals trying to navigate the long-term disability landscape on their own may run into complications they simply do not have the time to handle. When that happens, you need experienced legal counsel to help you out.

Our attorneys can help you with long-term disability claims or appeals by being ardent advocates for you. We can collect evidence for your claim or appeal, talk to insurance providers on your behalf, and make sure that your applications and other forms are properly filed with the appropriate entities.

To have our Pennsylvania long-term disability lawyers start helping you with your claim or appeal, call Young, Marr, Mallis & Associates at (215) 515-2954.

Why Hire Our Long-Term Disability Claim Lawyers in Pennsylvania?

Some people may believe that they can handle the process of a long-term disability claim or appeal by themselves. This is not an advisable idea. You are at a serious disadvantage if you do not hire legal representation like our Philadelphia long-term disability lawyers.

First, the process of obtaining long-term disability benefits is complicated and requires many steps. Our lawyers know how to deal with this process, while the average person does not have experience with these filings. Second, there are a lot of forms, paperwork, and other time-consuming things that need to be done that are associated with long-term disability claims. Our attorneys can assist you with these tasks.

Finally, insurance companies that provide these services are not always on your side. Insurance providers are never in the business of always providing coverage; otherwise, they would not make any money. For that reason, your insurance may not want to give you coverage when you need it. Let our lawyers negotiate with them so that you can focus on other important things.

Private Disability Claims vs Federal Programs in Pennsylvania

Generally, disability claims or appeals will be going to private insurance companies, not government programs like SSA or SSDI. for each kind of long-term disability claim. You really do need legal assistance when dealing with these entities, as the process is complicated, and someone who does not have legal experience can get tripped up and have their application denied when they are truly deserving of approval.

Private insurance companies are in the business of making a profit. They do this by providing a service – having coverage for you in the event that you become disabled either for a long time or permanently. However, their objective is not necessarily to help you out. This means that a private long-term disability insurance provider may not be willing to approve your claim if they do not believe it will be profitable. They will look for loopholes to get out of their obligation to provide coverage. Our attorneys know how to handle this type of behavior and will make sure that private insurers give you the coverage they said they would.

What Can You Do to Prepare for a Long-Term Disability Claim or Appeal in Pennsylvania?

There are a number of things you can do to assist our lawyers in advocating for your long-term disability claim. Some of these things are for your own well-being and personal benefit, while others are critical for success in a long-term disability claim or appeal with the help of our legal team.

Understand the Program You are Applying For

It can be helpful to do some independent light research on your insurance policy so you know what to expect. Insurance providers will likely have some front-facing information from which you can glean important details. Of course, this will doubtless try to spin them in a positive light. Your experience with the insurance company may be very different from the face they put forward in ads and other places. Our attorneys would be more than happy to help you with this process and fill in any gaps or answer questions you may have about these programs.

Collect Medical Records

Your medical records are very important to the success of a long-term disability claim. These records can help prove that you are, in fact, disabled and deserving of coverage. Our attorneys can help you track down and compile these medical records.

Notify Medical Professionals

If you regularly see a physician or other medical professional, you should make them aware that you are seeking long-term disability coverage. Your medical provider can advocate for you to insurance companies and federal programs to help your claim or appeal get approved.

Continue Getting Treatment

If you are already getting treatment for a long-term disability, you should continue to do so. Your health and well-being always take priority over legal matters. Moreover, continued treatment can be used as evidence that you are disabled and bolster your long-term disability claim. This is especially true if you are appealing an initial denial of long-term disability, as stopping treatment can be used to support an assertion that you are not disabled and do not need the assistance of disability insurance or a federal program.

Speak to Our Pennsylvania Long-Term Disability Lawyers Now

Young, Marr, Mallis & Associates has Quakertown, PA long-term disability lawyers standing by to start assisting you with your claim or appeal when you call (215) 515-2954.