Far too often, valid long-term disability claims are denied with little reason. But a Lancaster disability attorney won’t let you fall into the insurer’s traps.
When an injury or illness prevents you from working, figuring out how to move forward and stay afloat can be challenging. On the one hand, you likely aren’t equipped to handle the long-term financial struggle of managing your injury or illness on your own. But on the other hand, you may not know how to take on the insurance company that denied your initial claim.
That’s what the attorneys at Haffner Law are here for. We encourage you to get in touch with a Lancaster disability lawyer at our firm for help recovering the long-term disability benefits you need to maintain your quality of life.
Do You Qualify for Benefits?
The first step your Lancaster disability claim lawyer will need to take is gaining an understanding of the specifics of your long-term disability insurance policy—whether it’s provided by your employer or you purchased it yourself. Your policy details will determine whether you are eligible to collect benefits for your long-term disability in the first place.
There are two main types of long-term disability policies involved in most Lancaster disability cases. One is referred to as “own occupation.” This means your injuries have prevented you from performing your own job in any capacity, in which case you would be technically be considered disabled and should be able to collect benefits.
The second type of commercial disability policy is an “any occupation” policy. This means that, in order to be considered disabled and eligible to collect compensation, you and your Lancaster disability claim attorney must be able to prove that you are not only able to work in your current job, but that you are also unable to work in any job that is less demanding.
Dealing with Denials
The moment you receive the denial letter from your disability insurance provider is not a fun one. In fact, many Lancaster disability victims lose hope for their future financial stability in that instant.
But to lose all hope in that moment is to jump the gun. You can appeal your denial, and a disability lawyer in Lancaster can help.
We’ll take a look at the denial letter and your initial claim to figure out what went wrong. In many cases, denials are just a byproduct of the insurer’s primary objective: turning a profit. We’ll determine why your denial was unfair and arm you with everything you need to file a successful appeal.
Team Up with a Lancaster Disability Attorney
If you believe you qualify for long-term disability benefits and are struggling to make ends meet, our team at Haffner Law is here to help you. Get in touch with our firm today to discuss the details and severity of your condition and case. We would love to help you file a claim and collect the compensation you deserve.
To schedule a consultation with a Lancaster disability lawyer, give our office a call today at 1-844-HAFFNER (423-3637). You can also get in touch with us by filling out our online contact form, which can be found at the bottom of the page.