Long-Term Disability Insurance Lawyers in Tarboro, NC
Making Sure You Get the Right Benefits, Right Away
There are a lot of things to worry about when you become disabled or unable to work. You might be wondering how you’re going to make ends meet, or how you’re going to take care of your family. One thing you don’t have to worry about is where to turn for help. You can always count on the attorneys at O’Malley Tunstall, PC in Tarboro, NC.
We understand how important it is to get the right benefits as soon as possible. That’s why we’ll work tirelessly to make sure your claim is processed quickly and efficiently. We’ll also make sure that you receive all the benefits to which you’re entitled.
Don’t hesitate to call us if you need help filing for long-term disability benefits. We’re here for you, every step of the way. For a free consultation with our experienced injury and disability law firm in Tarboro, North Carolina, call (252) 823-2266 to get started today.
What is Long-Term Disability Insurance?
A long-term disability insurance policy is a contract between an insurance company and an individual that provides income replacement in the event the individual is unable to work due to a disability. The policy typically lasts for a period of two years or until the insured reaches age 65, whichever comes first.
Disabilities can be caused by injuries, illnesses, or accidents. In order to qualify for benefits under a long-term disability insurance policy, the individual must be unable to work for a period of time. Benefits are usually paid as a percentage of the insured’s monthly income.
There are a number of factors to consider when purchasing a long-term disability insurance policy, including the amount of coverage provided, the definition of disability, and the waiting period before benefits begin. It is important to consult with an insurance agent to find the policy that best meets your needs.
If you are unable to work due to a disability, long-term disability insurance can provide much-needed financial assistance. Contact us today to learn more about this important coverage and how we can help you get the benefits you deserve.
How Do I Apply for Long-Term Disability Insurance?
There are a few different ways that you can apply for long-term disability insurance. The most common way is to apply through an employer. If your employer offers long-term disability insurance, they will usually have information about how to sign up for the coverage.
You can also apply for long-term disability insurance through a private insurer. There are a few different companies that offer this type of coverage, so you will need to compare policies and prices before you decide on one.
Once you have found an insurer that you want to work with, you will need to fill out an application. The application will ask questions about your health history and current health condition. Be sure to answer these questions as accurately as possible, as this will affect the approval of your policy.
Once you have submitted your application, the insurer will review it and make a decision. If you are approved for coverage, you will need to pay premiums on a regular basis. The amount of your premium will depend on factors like your age and health status.
If you become disabled and are unable to work, you will need to file a claim with your insurer. You will need to provide documentation of your disability, such as a doctor’s note. Once your claim is approved, you will start receiving benefits that can help you cover your living expenses.
However, some claims get denied, and that is where a long-term disability lawyer can help.
If your claim has been denied, a long-term disability lawyer can help you appeal the decision. We will review your case and gather evidence to support your claim. We can also represent you in court if necessary.
If you are considering applying for long-term disability insurance, or if you have already applied and been denied, contact a long-term disability lawyer today. We can help you understand your rights and options, and they will fight to get you the benefits you deserve.
What is the Long-Term Disability Insurance Appeals Process Like?
If you are denied long-term disability benefits, it is important to know that you have the right to appeal the decision. The appeals process can be complicated, so it is important to understand how it works and what you need to do in order to give yourself the best chance of success.
The first step in the appeals process is to request a copy of your file from the insurance company. This will give you an opportunity to review their decision and look for any errors or omissions. It is important to note that the insurance company is not required to provide you with all of the information in your file, so you may need to request additional documentation.
Once you have reviewed your file, you will need to submit a written appeal to the insurance company. This appeal must include new and relevant information that was not considered in the original decision. For example, if there has been a change in your medical condition since the original decision was made, you will need to submit updated medical records.
The insurance company will review your appeal and may decide to approve your benefits. If they deny your appeal, you have the right to request a hearing before an independent appeals panel. This panel will review the evidence and make a final decision about your benefits.
Our skilled team can guide you throughout this process to ensure your rights for benefits are being upheld.
Call O’Malley Tunstall, PC Today to Get Started!
You may not think you need long-term disability insurance, but if you are the main breadwinner in your family, it is something to consider. No one knows when they may become disabled and unable to work, but if it does happen, long-term disability insurance can help provide for your family while you focus on recovery. If you need help appealing a decision or legal advice about your next steps, contact us. For a free consultation with our experienced injury and disability law firm in Tarboro, North Carolina, call (252) 823-2266 to get started today.