Taking out long-term disability insurance coverage can really come through if you ever run into health problems. It feels good to know that there is a safety net in place that will provide you with a portion of your salary so you're still able to pay for bills and take care of your family. If you have been injured in some way and will need to take an extended leave of absence from your job, it's time to file for long-term disability payments. However, before you make your claim, find out why you should hire an attorney.
Your Words Can Be Used Against You
The element of surprise can really hurt you in certain situations. When you are put under the lights and are asked a series of rapid-fire questions, it's almost impossible for you to answer the right way. This happens to people every day, and if you've ever gone through it, you know how hard it is to come up with responses when you're put on the spot.
Some insurance companies use the element of surprise to get claimants to essentially ruin their ability to claim long-term disability payments. One of the first things that will probably happen when you file for the insurance is that an adjuster will immediately call you up for a statement. These skilled adjusters know how to ask targeted questions that will prompt answers that contain information that they can later use to deny your claim. If you're not prepped ahead of time, there is a good chance that you're going to make a mistake.
It's much better for you to prepare yourself by speaking with an attorney. Your lawyer understands the questioning process and will do everything in their power to make sure that you are ready to answer with confidence and precision.
Avoid Being Denied The First Time
You should also set up a consultation with an attorney because it's a key way for you to avoid disability rejection. The more time that passes before you get that first disability payment, the more your bills will pile up. You definitely don't need the added stress of a growing mountain of debt that you don't have the money to pay for. Let an attorney help you get your filing pushed through the first time around.
Filing for long-term disability can be the lifesaver that you've been waiting for. Get on the phone with an attorney from a firm like Iler and Iler and let them help you prepare your paperwork right now.