Your disability claim may be denied at the moment you need it most—when you’ve been injured so severely or gotten so sick that you’re unable to make a living. For help getting your disability claim approved, contact a Pasadena long-term disability lawyer.
Injuries and illnesses are a part of life. That’s why insurance companies offer disability benefits. But what good are those benefits to you when your disability claim has been denied?
Unfortunately, legitimate disability claims are denied all the time. Insurers will use the tiniest excuses to deny your claim. And that leaves you dealing with your injury or illness and unable to support yourself.
In times like this, it’s important to seek guidance and a qualified legal advocate to make sure you get the disability benefits you’re owed. To get help with your claim from a Pasadena disability lawyer, work with Haffner Law.
Qualifying for Disability in Pasadena
Although the qualifications laid out in long-term disability policies vary, your basic disability coverage should begin when you become unable to work. This could be the result of a car accident, a workplace injury, an illness, or any incident that renders you unable to handle the physical stresses of working.
Some plans specify that you are eligible for disability benefits when you’ve become unable to perform the tasks required at your current job. If you load cargo onto trucks, for example, and you suffer a back injury after slipping and falling, you’ll likely become eligible for long-term disability benefits if your injury leaves you unable to lift heavy objects.
On the other hand, some policies specify that you are only eligible for benefits if you are unable to work any job. In the above example of the truck cargo loader, your back injury might prevent you from loading trucks, but you might be able to work a desk job.
Under plans like these, injuries and illnesses that qualify for disability benefits are usually more severe, such as traumatic brain injuries and paralysis.
When You’ve Been Denied
You might feel a sense of hopelessness if your initial application for long-term disability benefits has been denied. That’s understandable, but you should know that you have the option to appeal.
However, if you appeal without bringing new information or evidence to the attention of your insurer, you’re likely to be denied again. A Pasadena disability claim attorney can help you present a strong case for why you deserve disability benefits.
Sometimes, insurers provide little explanation as to why they have denied your claim. If you feel your insurance company is acting in bad faith, your attorney will know exactly how to make it cooperate.
Evidence You’ll Need
When you decide to work with a Pasadena long-term disability attorney, you’ll need to provide him or her with a few documents and pieces of evidence.
Generally, you’ll need any photo or video evidence that documents your injuries, copies of your medical records, and your denial letter from the insurance company. Additionally, your claim might benefit from letters from friends, family, coworkers, and medical professionals that back up your side of the story.
Reach Out to a Pasadena Disability Attorney
When an injury or illness has left you unable to work, you don’t have time to go back and forth with the insurance company as you try to get the disability benefits you’re entitled to. Protect your financial future by bringing your case to the attention of Haffner Law.
To schedule a consultation with a Pasadena disability lawyer, give us a call at 1-844-HAFFNER (423-3637) or fill out the form below.