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Disability Insurance Lawyers Near You

Steve Louis-Charles avatar
Steve Louis-Charles serves personal injury clients throughout the state of Florida, particularly the Fort Lauderdale area. Whether injured in a car accident, ...
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Steve Louis-Charles serves personal injury clients throughout the state of Florida, particularly the Fort Lauderdale area. Whether injured in a car accident, ...
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David Brauns avatar
My firm is a modern law practice built to take on large corporations and insurance companies who refuse to acknowledge their wrongful acts. I began my career de...
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My firm is a modern law practice built to take on large corporations and insurance companies who refuse to acknowledge their wrongful acts. I began my career de...
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Austin Robert Claiborne avatar
Attorney Austin Robert Claiborne is Litigation Chief Counsel at The Law Offices of Duane E. Thomas. Mr. Claiborne serves locations including Lake City, Gainesvi...
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Attorney Austin Robert Claiborne is Litigation Chief Counsel at The Law Offices of Duane E. Thomas. Mr. Claiborne serves locations including Lake City, Gainesvi...
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Charles "Chuck" Sanders | Texas Car Accident Lawyer avatar
Charles Sanders is the co-founder and partner of Rose Sanders Law Firm. Charles excels at litigation and brings the tough approach needed to the courtroom when ...
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Charles Sanders is the co-founder and partner of Rose Sanders Law Firm. Charles excels at litigation and brings the tough approach needed to the courtroom when ...
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G. Robinson Stratton, III avatar
(From an affiliate): "Rob provides legal counsel utilizing a unique skill set. In addition to maintaining a litigation practice since 1991, he has also served i...
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(From an affiliate): "Rob provides legal counsel utilizing a unique skill set. In addition to maintaining a litigation practice since 1991, he has also served i...
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Brook M. Thibault avatar
Brook M. Thibault is a Virginia Beach trial lawyer, former Associate Counsel for CMA CGM (America) LLC the world's third largest container ship company, and Pub...
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Brook M. Thibault is a Virginia Beach trial lawyer, former Associate Counsel for CMA CGM (America) LLC the world's third largest container ship company, and Pub...
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A disability policy offers a simple and effective way to protect your dependents, such as children and family members, if you become unable to earn a living due to an illness or accident. However, you might lose your disability coverage if your disability application is rejected or if you do not have time to recover. Find the best disability insurance lawyer near you today.

What is a Disability Insurance Lawyer?

Disability insurance attorneys near you can assist in the process of filing a disability claim, ensure that the paperwork is filed correctly and on time, and represent your interests if your claim is denied. Their job involves helping you to obtain and retain the disability coverage you need by:

  • Making sure your documentation is in order;
  • Checking your disability coverage to make sure you are receiving the correct amount of compensation;
  • After a lawsuit has been filed, ensuring that the settlement offer is reasonable; and
  • Obtaining justice for you by representing you in court if necessary.

What Does a Disability Insurance Attorney Do?

A disability lawyer can assist you in a number of ways, whether you're filing a claim, appealing a denied claim, asking for a reconsideration, or filing a lawsuit against your individual disability insurance company. The attorney will gather persuasive evidence of your disability, work with the insurance company on your behalf, and otherwise assist you.

Disability insurance policies are complicated

You can hire a lawyer to help you complete the complex claim forms, preventing your claim from being denied for incomplete information. The complexity of the claim process may be exploited by some insurance companies. Each policy is unique and its terms may be restrictive. For these reasons, it is important that you understand the key terms and provisions of your disability insurance policy when filing a disability claim. Your attorney can clarify these requirements where required.

“Independent” medical exams with biased results

A medical examination may be required after you have submitted your claim. Your insurance company usually selects and pays the particular medical professional to conduct this examination. You must ensure that your rights are protected and that you are not injured during these exams, so you may need the assistance of an attorney.

Obtaining proper medical evidence

By discussing your condition with your physician, they will be able to assist you in obtaining supportive medical records. It is your attorney's responsibility to ensure that your claim file has all necessary medical evidence, including supporting expert opinions about your work limitations.

How to respond to surveillance by an insurance company

Your disability insurance company may photograph or videotape you after you submit your claim. This type of surveillance does not necessarily indicate whether you are capable of working. Nevertheless, if the company finds that you are engaging in activities that you claimed you were unable to perform, you may lose your social security disability benefits and have your contract terminated. Attorneys can help to prevent negative consequences from surveillance and prevent the data from being misused.

When a disability insurance claim is denied

You may need the help of an attorney if your disability claim was denied. All disability policies have governing provisions. Prior to filing a lawsuit, you may need to appeal or reconsider your policy. An attorney can help you decide how to proceed in accordance with ERISA law and federal law. The insurance company has a wide team that includes claims representatives, attorneys, vocation specialists, and medical professionals, so it is wise to hire an attorney to represent you through the appeal or reconsideration process.

When Should I Hire a Disability Insurance Attorney?

Many people will be left in financial distress when insurance companies unfairly deny or cut off claims. In such cases, it may be best to hire a disability lawyer. A disability lawyer can assist you in fighting a denial or filing a claim and help you to ensure that you are receiving the correct social security administration and disability benefit entitlements. 

How Do I Choose the Right Disability Insurance Attorney?

You may be able to reduce your stress levels, increase your chances of winning your case, and shorten the time it takes for you to resolve your claim if you have the right long-term disability lawyer on your side. In order to find a suitable attorney for you and your circumstances, it is important to know what to look for. The following tips will help you choose the right long-term disability attorney for your case.

  1. Choose a lawyer who specializes in long-term disability claims and the particular legal issue you are facing;
  2. Find a long-term lawyer for disability insurance near you;
  3. Make sure your disability lawyer is available and responsive; and
  4. Select a disability lawyer who does not require upfront payment.

How Much Does a Disability Insurance Attorney Typically Cost?

An attorney handling a disability case will often work on a contingency fee basis, charging as much as 40 percent of past-due benefits owed by the insurance company, or a combination of past-due and future benefits. If you win your case, you won't have to pay your lawyer a fee. Even so, it is always advisable to ask your lawyer if you will have to pay any litigation expenses. You may also have to pay for obtaining your medical records, preparing paperwork, and postage.

Do Disability Insurance Attorneys Charge for Consultations?

Not usually. Most disability insurance lawyers don't charge you any fees until and unless they win your case, including the initial consultation. However, you should always confirm costs with your attorney or the law firm before engaging them.

Frequently Asked Questions

How should I make a disability insurance claim?

As soon as possible after you suffer a serious injury that qualifies you for disability coverage, you should take the following steps:

  1. Make sure you get medical attention immediately after suffering a severe injury.  Ensure that your family doctor conducts a thorough examination to identify any new symptoms or injuries;
  2. If you are injured at work, notify your supervisor and file a claim with the WSIB;
  3. Document the accident as much as possible.  Take pictures of the injured area, contact any witnesses, and document what caused the accident; and
  4. Document the impact of the injury on your life.  Personal injuries, no matter how small, can cause pain, suffering, and interfere with everyday activities.
When should I contact a lawyer if I have recently been denied long-term disability benefits?

You need to seek the assistance of a qualified lawyer as soon as your disability claim has been wrongfully denied. This is because there are deadlines for submitting a claim against your disability insurance provider.

After settling the case, will the insurance company continue my disabiltiy insurance benefits?

Benefits will terminate upon a full and final settlement of a disability insurance claim. A settlement includes both past and future benefits. Payments will cease once the money is paid and a release is signed.