Long Term Disability claims are not like any other insurance claim you’ve ever made. For one thing, they are too costly for long term disability insurance companies to pay without making claimants jump through hoops and over pitfalls. The last thing you want to do when you’re too sick or injured to work is take on an enormous insurance company with endless layers of bureaucracy, poorly staffed call centers and endless third-party companies whose sole purpose is to delay or deny your claim.
We recently received this note from a client who is now being paid by Guardian who wisely retained us before filing a claim. Our claim strategy was able to maximize her recovery, beyond what she thought or expected to accomplish. We think her email says it all:
OK, now that I have had a chance to calmly review the documents, I just wanted to thank you for all of your help. I am certain that if I would have tried to do this myself, I would not have had the same level of success. I am so grateful that I had you to navigate me through this process so that I could avoid the pitfalls that I know Guardian had in store for me. I truly appreciate all that you have done for me. I have never met you in person. But I will think of you every month, probably for the rest of my life, when I receive my benefits.
Our strategy was to bring her claim back to a period (supported by the medical evidence), where she began to suffer a decline in her production, prior to ceasing her work completely. Thankfully, our client engaged us early in the process to add significant protection for her claim.
If you’ve already filed a claim and have been denied, or if the insurance company is asking for more information about your claim, we encourage you to call our office for a free consultation. This is not an easy process for claimants, but you don’t have to go it alone. Call us at 877-583-2524 during regular business hours (EST) to learn how we can help.
