Find an attorney for a long term disability claim

LONG TERM DISABILITY ATTORNEY - AN ATTORNEY TO HANDLE THE LTD CLAIM

Representation on any kind of disability benefit claim is usually important. However, having an attorney on a long term disability case can be extremely crucial and for one very simple reason. Unlike a disability claim with the federal government (social security disability), long term disability insurance companies, a.k.a. LTD carriers, are not impartial. Quite the opposite is true. Long term disability insurers have a vested interest in the outcome of LTD claims. In other words, the more claims they approve and pay out, the less "financially healthy" their bottom line is. And the fewer long term disability cases they approve, the greater their profit margins will be.

It's for this reason that applicants for long term disability benefits find themselves subjected to some of the worst treatment and tactics imaginable. What does this treatment include? Here's one of the very worst. LTD companies will often conduct surveillance on their benefit applicants, i.e. these companies will secretly follow a claimant and use a camcorder to record their activities. And this may potentially include all of their activities such as taking out the trash, grocery shopping, even bending down to pick up a newspaper. Later, this visual evidence may be used to justify a denial on a long term disability benefit claim... or even to make the argument that an LTD claimant falsely misrepresented their condition.

Camcorder footage of claimants is undoubtedly one of the most horrendous and unfair tactics at the disposal of long term disability insurers and here's why. An injured or sick worker may be recorded taking garbage to the curb and this "evidence" may find itself surfacing in the insurance company's records. But the recording will probably not show the worker later resting and recuperating from the demands of such physical activity. In the same fashion, an insurance company will attempt to claim that an LTD claimant who bends down to pick up a paper does not truly have a disabling back condition, but no visual record will exist to show the claimant sitting or lying down in pain as a result of doing this. LTD companies are also notorious for showing only the "highlights" from the recordings they obtain---meaning they only show evidence that may damage a person's case, not support it.

To anyone who believes in the impartiality of long term disability insurers, the use of secret surveillance techniques should convince them otherwise. LTD companies simply do not "play fairly" and will use whatever methods they can to turn down a claim for benefits. And, of course, it is for this reason that finding representation for such a claim is even more vital than other types of claims. In fact, unlike other types of claims, it may be crucial to consult with an experienced attorney before you 1. even file for benefits 2. certainly before you get denied for long term disability.

Why should you consider getting a long term disability attorney before you file for LTD benefits? Because the insurance company, as part of their claim processing procedures, may ask you to submit information that they will later use against you. They may also try to have you sign releases for specific types of information (such as credit information) that will later facilitate their investigation of you. Amazing, but true. And, of course, most applicants for long term disability benefits willingly and naively comply with every request for information that is made by an insurer. Having an attorney from the outset, on the other hand, can give an LTD claimant protection in the form of experienced oversight, advice, and recommendations. That is, a long term disability attorney can properly advise you as to what is and what is not in your best interests.

Why should you consider getting a long term disability attorney before you receive a denial on an LTD claim? Finding an attorney in this regard can be crucial. An LTD company will not tell you that, by the time an administrative hearing is to be held on your disability claim, the record will be closed, meaning that no additional records may be added to the file. They don't tell you this, of course, because if they did, you, the LTD claimant, would probably make every attempt possible to ensure that the medical evidence that supports your claim is actually in the file and that your doctors have been given the chance to submit supporting information on your behalf. Long term disability companies don't tell you this part and they don't for a reason: by the time you get to an administrative hearing, you may already have lost your case, simply because you didn't know the rules.

LTD insurers count on the fact that you probably won't know their rules and procedures and, as a consquence, will have a more limited chance of fighting to win your disability benefits---despite the fact that you or your employer have dutifully paid the premiums for your disability benefits. Again, this points to the impartial and biased nature of these companies and it points to the fact that everytime they approve a claim, they lose profit. And it is for this reason in particular that it may be wise to consult with an experienced long term disability attorney well before a long term disability claim has been denied, and even before an LTD claim has been initiated and filed.

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If you suffer from a medical disability involving

joint problems, back pain, degenerative disc disease, spinal stenosis, carpal tunnel syndrome, arthritis, depression, congestive heart failure, diabetes, diabetic neuropathy, high blood pressure seizure disorder, stroke, copd, loss of vision, head trauma, memory loss, meniere's disease or other vertigo problems, hepatitis, cirrhosis, liver disease, lyme disease, coronary artery disease, cardiomyopathy, osteoarthritis, kidney failure, cystic fibrosis, crohn's disease, peripheral artery disease, cancer, ms, lupus, sarcoidosis, cerebral palsy, multiple sclerosis, head injury, depression, bipolar disorder, pancreatitis, or asthma and have filed for long term disability benefits, been denied for long term disability benefits, or are simply thinking of applying for long term disability benefits, this page may assist you in finding a long term disability attorney to help you in your claim. Claimants who file for LTD benefits too often go it alone against the insurance company to which they've paid premiums and, in too many cases, the outcome is not favorable. However, in many of those same LTD claims, a more favorable outcome might have been reached had a Disability Lawyer been involved.