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Disability Insurance Lawyers in North Carolina

Winning Rightful Benefits For Clients

Many businesses and private individuals have had the foresight to purchase long-term disability (LTD) insurance. This type of insurance is meant to provide coverage to the policyholder if they can no longer work due to illness or injury.

Even though many individuals have faithfully paid on their policies for years, when it comes time to use it, some insurers will look for loopholes they can use to deny benefits. Insurance companies are often more concerned about their own financial well-being and not that of their policyholders.

Brent Adams & Associates of North Carolina has disability insurance lawyers who understand the overly complex laws that often accompany obtaining benefits. Our lawyers are committed to seeking the benefits you rightfully deserve.

Contact our firm for assistance with disability insurance today.

What Does Disability Insurance Cover?

Disability insurance coverage is regulated by a federal law known as the Employee Retirement Income Security Act (ERISA).

Disability insurance policies are designed to replace 50 to 60 percent of your income, up to a preset maximum benefit amount. As a general rule, most LTD policies have a mandatory waiting period of three to six months after you have been rendered disabled before your benefits coverage can begin. You may be able to obtain short or long-term disability insurance benefits depending on how your policy is written.

Common Reasons for Filing Disability Insurance Claims

Some of the most common situations that may require an individual to claim disability insurance benefits include:

  • Accidents or injuries caused by another person’s negligence
  • Non-work-related illnesses
  • Work-related accidents and illnesses

One of the most important aspects of disability insurance is that it is designed to help policyholders who may not be able to work due to cancer, complications from childbirth, or depression. If you are not sure of what your disability insurance policy covers, contact Brent Adams & Associates to schedule a meeting with a member of our legal team who can review your policy and answer your questions.

Why Would the Insurance Company Deny Disability Benefits?

Insurers often deny long-term disability benefits for several reasons, including:

  • Inability to meet the definition of disability as outlined in your policy
  • Insufficient medical evidence to substantiate your claim
  • Insufficient video evidence

Unfortunately, many insurance companies that provide disability benefits look for ways in which they can deny claims to avoid payouts. If your insurer has denied your claim for LTD benefits, you have the right to appeal their decision under ERISA by filing a lawsuit.

Do I Need a Lawyer to File an Appeal to Obtain Disability Insurance?

No law states that you must have a lawyer to file an appeal after you have been denied disability insurance benefits. Nevertheless, it is in your best interests so that you have a greater chance of winning your appeal.

Brent Adams & Associates of Raleigh, N.C., have highly skilled lawyers who have extensive experience in assisting clients through the appeals process. Some of the ways that our injury attorneys from Raleigh can help you include:

  • Gathering all of the information and evidence necessary to support your appeal.
  • Drafting your appeal letter
  • Including supporting documentation that relates to your case
  • Ensuring that your appeal is filed in a timely manner

A qualified disability insurance attorney will work with you through the entire appeals process to strengthen your claim and ensure your rights are protected.

Get Results You Deserve with Brent Adams & Associates

At Brent Adams & Associates, we are committed to helping individuals across North Carolina recover the disability benefits they need to move forward with confidence. With over 40 years of serving our community, our team is dedicated to supporting clients in securing long-term disability insurance, Social Security Disability benefits, and other crucial forms of financial assistance.

Comprehensive Policy Review and Strategy

When you choose our firm, we carefully review your disability insurance policy and evaluate the denial letter to identify the most effective path forward. Understanding the nuances of your case allows us to determine a tailored legal strategy aimed at overcoming challenges and obtaining the benefits you deserve.

Gathering Key Evidence to Strengthen Your Claim

We actively gather compelling evidence to support your claim, including:

  • Detailed medical records that document your condition and its impact on your life.
  • Testimony from witnesses who can corroborate your challenges and needs.
  • Video evidence and other documentation that demonstrates your eligibility for disability benefits.

Transparent Communication Throughout the Process

Our team values open and ongoing communication. As we progress through the appeals process or navigate legal challenges, we ensure you are informed every step of the way. By keeping you updated on developments, you can feel confident knowing your case is handled with diligence and care.

Trust Brent Adams & Associates to advocate for your right to disability benefits and provide the dedicated legal support you need.

Schedule a Consultation Today

Securing disability benefits after an illness or injury can be a challenging process, but you don’t have to face it alone. At Brent Adams & Associates, we stand by individuals who need help recovering the benefits they deserve. Whether your claim involves long-term disability insurance, a denial, or delays that disrupt your financial stability, our attorneys provide the support and guidance needed to navigate this complex journey. We focus on holding insurers accountable for honoring their commitments, giving you the peace of mind to focus on your health and well-being.

If you’ve experienced setbacks with your disability benefits claim, don’t wait to take action. Building a strong case with clear documentation of your condition and its impact on your daily life is essential. Our NC disability attorneys are ready to assess your situation, help you understand your rights under your policy, and develop strategies to move your claim forward.

At Brent Adams & Associates, we prioritize open communication and personalized strategies tailored to the challenges you face. Let us help you recover the benefits you’ve earned and deserve.

Contact our law offices by calling 910-249-6891 and ask to schedule a free case review so that we may answer your questions and explain your legal options.