Dealing with a disabling injury is tough, so you need the disability insurance benefits you paid for as soon as possible. If you’re having trouble getting what you’re owed, give a Santa Monica disability claim lawyer a call.
When you’ve suffered a serious injury, it can take time to recover—from weeks to years. In some cases, you may never fully recover. Fortunately, you have your insurance, right?
It’s frustrating, but getting your insurance claim approved can be difficult. No matter how much you’ve paid for it, you may still have trouble getting the disability insurance company to accept your claim so you can focus on your recovery when you’re unable to work.
Contacting a Santa Monica disability lawyer for help can get your case handled quickly. Our lawyers at Haffner Law under how difficult it can be to deal with insurers, and we can help you get the disability settlement you need when your insurance company doesn’t want to provide it.
Types of Disability Policies
The disability benefits you should receive will simply depend on the type of disability insurance you purchased. Many people purchase both short-term and long-term disability so they’ll be covered no matter what, but your case may differ. It depends on your needs.
Both types are meant to replace your wages when you’re disabled and unable to work for any time. Generally, short-term disability is meant to cover nine weeks to a year, and it typically ends after this point. Long-term disability, on the other hand, will depend on the insurance you purchase. This could cover you for anywhere from a few years to retirement.
The amount you’ll receive will depend on the policy, as well. While most long-term disability policies will provide a percentage of your wages from the time before your injury, others may have a set amount they provide. Your disability lawyer in Santa Monica can help you determine how much your policy is worth.
Handling a Disability Denial in Santa Monica
Unfortunately, no matter how serious your injury might seem, it’s possible that you might receive a denial at first. This can be for several reasons. You may not have provided enough evidence, you may not meet the policy’s definition of “disabled,” or you missed an important deadline. Alternatively, you might have done everything right, but the greedy insurer decide to deny your claim anyway.
No matter the circumstances that led to your unfair denial, you’ll need to prepare for an appeal to have that denial changed. Typically, you’ll need the following for your case:
- Your denial letter
- An appeal letter on why the denial is wrong
- A letter of support from your physician
- Medical documents to prove your claim
An attorney can help you gather evidence and prepare your case so you’re prepared to fight for your disability benefits. If you’re struggling to prepare or understand any of the above laws, a lawyer can help you through the process of getting the disability coverage you need.
Connect with a Santa Monica Disability Attorney
Your insurer may be wrong about your claim. If you believe you’re owed your disability insurance benefits but you’ve been denied, getting an experienced lawyer on your side can help.
At Haffner Law, we understand how frustrating it can be when the insurance you pay for fails you. We want to see all of our injured clients get the disability coverage they need to replace their wages, and we’re ready to help them get there.
If you’re struggling with your disability claim, a Santa Monica disability lawyer at our firm can help you get the compensation you’re entitled to. Start with a free consultation to review your case. Call us at 1-844-HAFFNER (423-3637) or fill out the online contact form at the bottom of this page.