It only takes a split-second accident for a person in New York to become disabled. For some, it is due to a car crash, for some it’s a fall, or for some it’s through working with heavy machinery. When a person suffers a disabling injury, they may be very thankful that they have long-term disability insurance through their employer. However, navigating the long-term disability insurance landscape can be difficult.
This is because a long-term disability claim can wind up being very expensive for insurance companies. For example, if a person has car insurance, and their car is dinged in a parking lot, the issue is more or less simple. Damages to the vehicle and any related injuries are paid out, and then the incident is at an end.
However, when it comes long-term disability claims, the insurance company may be paying for the rest of the policyholder’s life. For example, if a person is made disabled while they are still a young adult, and their policy states that they can be paid benefits for long-term disability until they reach age 65, this can be very costly for the disability insurance company.
Therefore, it should come as no surprise that disability insurance companies may try to deny a person’s claim. It is unfortunate, but insurance companies get away with wrongfully denying a claim all too often. For this reason, those who are filing a claim under their long-term disability insurance policies may want to seek the help of an attorney in doing so. At our firm, we understand how stressful it is if you are not being paid the disability benefits you need and deserve. Therefore, we are committed to helping clients throughout the disability claims process. To learn more about long-term disability claims, please visit our website.