teens with legal issues

Illnesses and injuries come at the least expected moment. And when these issues become severe, they derail the victim's life. Now, considering that, according to 2020 statistics, employers in the private sector reported 2.7 million workplace illnesses and injuries, there's a need for every worker to prepare for any eventualities that may lead to disability. One of the best ways of doing that involves disability insurance claims. Keep reading to learn more about disability insurance claims and how to get the best out of them.

What Is a Disability Insurance Claim?

A disability claim refers to a request for financial help by individuals with injuries or illnesses that affect their ability to work or find a job. These insurance policies are tailored to protect people from financial losses when a disability, injury, or illness compromises their working capability. That way, you are assured of a steady income that helps you support yourself and any other individuals relying on you for providence.

Why Should You Hire a Disability Insurance Claim Attorney?

If you meet the requirements for making a disability insurance claim, consider hiring a disability insurance claim attorney for the following reasons:

1. Not all insurers play fair

Insurance companies are similar to all other businesses in that their main objective is making as much profit as possible. They strive for that by luring clients into paying high premiums but offer low settlements when making compensations. Experienced disability claim attorneys understand that clearly, and they are familiar with all the tricks insurers use to avoid making fair settlements and delay approvals. Therefore, they are better positioned to ensure your claim is approved and the payouts are fair.

2. Professional help and guidance

Filing a disability claim is a lengthy and complicated procedure. Depending on your insurer, you may have to start by determining whether you are eligible for compensation. You also need to gather and present supporting documents, such as medical and hospital records or statements from authorities like law enforcement personnel. Then, you need to file claim forms. These can confuse the average person due to the legal jargon, but it's a breeze to a skilled disability insurance claim lawyer.

3. You may need to appeal a denied claim

Sometimes insurance companies deny disability claims. That often happens when the insurer considers the applicant's medical condition not severe enough to affect their ability to work. The other reasons for denied benefits include the applicant's failure to follow prescribed therapy, conviction, and fraud cases. Fortunately, if your disability insurance claim is ever denied, an expert attorney can help you appeal. And, since they are trained to handle such cases, their services offer you a better fighting chance and greater winning odds.

For more information, contact a disability lawyer in your area, such as Scott E. Shaffman Attorney At Law.