Need Help With Your LTD Claim? We’ve Got You Covered

Are you having difficulty understanding what your disability policy means and what you're entitled to? Have you become disabled and need help filing a long-term disability (LTD) claim? Are you dealing with a LTD insurance policy either through your job or purchased on your own?

Long-term disability insurance policies provide financial benefits for those who become disabled. These policies can be paid for through your employer or purchased from an insurance company of your choosing.

Long-term disability claims may arise from a variety of incidents, including:

Unfortunately, many LTD insurance carriers give policy holders the runaround. Often an experienced attorney who has handled disability claims for years can do for you what you are unable to do for yourself. If you are having difficulty getting a response to your questions or being paid benefits that you are owed, the attorneys at O'Malley Tunstall PLLC in Raleigh, North Carolina, will help you.

LTD Insurance Companies Are Not On Your Side

It may feel like the insurance carrier wants to wear you down. Some tactics they use include:

  • Requiring you to send and resend documents it says it never received
  • Claiming you sent the wrong documents
  • Making little to no effort to properly evaluate your disability claim
  • Making few attempts to obtain your medical documentation
  • Unreasonably denying your claim
  • Delaying or refusing to help you process or manage your claim

Many long-term disability insurance companies require improper examinations by hired-gun doctors who only agree with the companies' decisions. Carriers are also known to push ambiguous and unclear policies in an effort to dissuade insured individuals from recovering what they have already paid for.

Don't Fight The Insurance Company On Your Own

Insurance companies have lots of lawyers and money on their side. It may seem that winning is almost impossible. In some cases, a lawsuit may be necessary to obtain the benefits you are owed. In others, the advice of an attorney when the disability tactics become unfair is all that is needed.

Contact Us Today To Schedule Your Free Consultation

Hiring a lawyer early on in the process can prevent the long-term disability insurance carrier from stacking the deck against you. At O'Malley Tunstall PLLC, our attorneys have years of experience representing and defending those with disabilities, including social security claims. Contact us today to learn about your options and how we can help you. Call us toll free at 800-755-1987 or send us an email.