If you are working a labor intensive job and you took out disability insurance privately, and now the insurance company doesn't want to pay, you want to contact a disability specialist. It's important to act immediately to get the money that you need to deal with the injury and your loss of work, and the lawyer has to start working on things right away. Here are things that you can do to help speed up the process as the lawyer tries to figure things out:
Get them a Copy of Your Coverage
Get the lawyer a copy of your insurance coverage, so they can see if your disability insurance covers the type of injury you had, where the injury took place, and to see if the insurance company should be cooperating. The lawyer may also looks for poor wording in the contract, along with flaws or illegal phrases and intentions. They need to go through this thoroughly so they can make a decision about the case and if it's worth moving forward.
Stop Contact with the Company
You want to stop contact with the insurance company and have all communication go through your lawyer. This way there are no agreements or misconceptions, and the insurance company knows that you're serious about getting your claim pushed through. Have all calls, emails, and letters directed to your attorney so they can go through the information and relay an appropriate response.
Have Realistic Expectations
You need to have realistic expectations about your case, and about what could happen. You may be able to get a settlement if your lawyer can prove that the insurance company did things illegally, and they denied you coverage and compensation that you deserved. The settlement process can also take some time, so you have to be patient.
Some insurance companies will see that you have taken the time to meet with an attorney and that you have an attorney that you want to handle your case, and instead of denying your case any longer they will go ahead and push the claim through so they don't have to worry legal problems. Others will try to fight your lawyer and still deny your claim, which is why you want to have an attorney on your side. Talk with local disability lawyers to see who can help you out, who has a payment plan that works for you, and get things moving.
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If you are unable to work because of an illness or injury, you may qualify for social security disability payments. This money comes from a fund you have probably contributed to during your time in the work force, and it is likely that you have the right to disability payments using this money. As an attorney specializing in social security disability, I have a great deal of experience in helping clients determine if they qualify for disability payments. I hope that this blog will help people who have been injured understand what it means to qualify for social security disability benefits and how to go about getting that help.