When filing a Long Term Disability (LTD) claim, you are going to trigger a complicated process which includes quite a lot of procedures. One of them includes the insurance adjuster to start asking questions in order to allegedly asses your claim and determine its credibility. With this in mind, let’s take a look at some of the most commonly asked questions and the way you should handle them.
Should I answer all the questions that the insurance adjuster asks?
Insurance adjusters have the sole intention of making you jump through tons of hoops before they give you the compensation that you are legally entitled to. That’s how it works. If insurance companies paid out every compensation no questions asked they’d run out of business days after opening. So, yes, you should answer all the questions and you should present all the required paperwork unless you want your claim to get dismissed for non-compliance.
Should I appeal if my claim gets denied?
As far as the history of our law firm goes, we’ve never seen a claim that gets denied on the first instance to get approved after an appeal unless there have been some game-changing circumstances in the health of the claimant. So, in case you get denied in the first instance you should turn to a lawyer right away and stop messing around. The last thing you want is to establish a chain of overturning decisions as that’s what the insurance company wants and that’s what you are going to get if you act rash.
How much is my case actually worth?
We can tell you the total value of your Long Term Disability claim only when all of your expenses have been paid. Without this information, it’s absolutely impossible to provide the client with an accurate estimation. Even though we have years of professional experience in handling cases of the kind successfully, every single long term disability claim is particularly subjective and individual. All the patients respond differently to the same kind of treatments and therefore the intensity can’t be assessed in advance.
How can a Judge help me?
The only thing that a court can do for your case is to order your insurance company to pay you right away. Of course, going to trial is always related to a certain amount of risk as you’d have to thoroughly consider the fact that the decision is within the hands of the judge or the jury and you can only control the outcome as much as the opposite side.
In any case, a Long Term Disability claim is related with quite a lot of variables and consulting with a professional lawyer is definitely one of the first things you should consider. Talk with an experienced lawyer today and let them judge the merits of your case as that would give you a ballpark amount of compensation that you are justified in asking for.