If you have been hurt while on the job, there is a chance that your employer's long-term disability insurance coverage will help you with paying your bills and taking care of yourself and your family. Before you file a long-term disability claim, though, you will need to know these three things.
1. Not All Lawyers Regularly Handle Long-Term Disability Claims
First of all, just because you see an advertisement for a disability attorney online does not mean that the lawyer has experience with handling long-term disability claims. After all, many attorneys are more accustomed with helping people file disability claims through the Social Security Administration. Although these attorneys might be very experienced in their field, they might not have the true knowledge and experience to help you with your long-term disability claim. Instead, you will want to specifically look for an attorney who has experience in helping people with long-term disability claims. After all, the process is different, and you can increase your chances of a successful claim with the help of a lawyer who understands the system.
2. You Might Be More Likely to Win Than You Think
Right now, you might be concerned about whether or not you will be successful with your long-term disability claim. You might have a greater chance of success with it than you think, though. For example, even when a person might not be considered disabled by the Social Security Administration, they might still qualify for long-term disability if they are no longer able to continue the same line of work.
3. You May Still Have Other Options
Hopefully, with the help of an experienced attorney, you will be successful with your long-term disability claim. If your claim is denied, however, you should not give up. For one thing, your attorney might be able to help you with an appeal, and you could be successful the second time around. Additionally, you might qualify for Social Security disability, so your attorney or another experienced lawyer might be able to help you with filing a Social Security disability claim. If you are in a situation in which you will not be able to return to work for a long time—or ever—then you should not give up on getting the help that you need and are entitled to. With the right research and help from the right lawyer, there is a good chance that there are options available for you.
For more information, contact a long-term disability attorney in your area.