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.
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.
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.
What Type of Results Can I Expect From Your Law Firm?
Brent Adams & Associates has been proudly serving North Carolina residents for over 40 years and has achieved great results in obtaining disability insurance benefits for our clients. Our disability insurance attorney’s main objective is to ensure that our clients gain the financial peace of mind they need to go forward with their lives.
We will thoroughly review your policy as well as your denial letter and determine what course of legal action is appropriate for your situation. We will also work to gather evidence such as medical records, video evidence, and witness testimony as we proceed through the appeals process. We will also keep you advised of any changes or progress in your case so you always feel that you are being adequately informed.