Morehead City Long-Term Disability Appeals Attorney
As you and your family scramble to figure out how you will muddle through in the wake of an injury or illness that has rendered you unable to work for more than a year, the last thing that you need to be worrying about is the denial of your application for long-term disability benefits. Although a denial does not necessarily mark the end of the road for your application, it can be a huge setback to a struggling family.
At Law Office of Sam Scudder, our attorneys have extensive experience with workers’ compensation cases. We can examine the facts of your case, give you legal options, and ensure that you have the best arguments moving forward with the appeals process. Building your case is best done with a qualified workers’ compensation attorney. Contact the Morehead City long-term disability appeals attorneys of Law Office of Sam Scudder today at (252) 222-0227 to discuss how we can help you appeal your long-term disability claim.
Do I Need a Long-Term Disability Lawyer?
Denial of a long-term disability claim can cause severe disruptions in your life. If you have suffered an injury on the job that causes you to miss work, a long-term disability claim can often be your saving grace from disastrous financial consequences. A qualified and experienced Morehead City long-term disability lawyer can help you fight the denial of your claim, working with insurance companies and helping you through the appeals process. They will assess your case and the reason for the denial, give you your options in the appeals process, and help you build a case that will enable you to receive the long-term disability benefits that you need.
Insurance companies do not have your best interests in mind when it comes to long-term disability. They may find reasons to deny your claim, use cherry-picked video evidence of you, and solicit releases of unnecessary personal information. Often, they have complex rules and procedures that make it difficult to get your claim approved. Experienced long-term disability appeals lawyers will help you to navigate the insurance companies and the appeals process with the appropriate state or federal agency, helping you to get the disability benefits that you need.
Why Choose Law Office of Sam Scudder to Handle My Case?
At Law Office of Sam Scudder, we are a small and friendly law firm that will devote our utmost attention to your case and your needs. We understand that a denial of your long-term disability claim can leave you in a tough spot, and we are here to help. Our attorneys are board-certified specialists in workers’ compensation law, meaning that we understand what rights you have as a worker, including in claiming long-term disability.
Attorney Samuel Scudder has been practicing law in North Carolina since 1990 and has been a partner at his current firm since 2001. A North Carolina native, he is affiliated with multiple statewide workers’ compensation legal groups.
Between our 30-plus years of combined experience and our extensive knowledge of and involvement in workers’ compensation law, we have the tools necessary to provide fierce representation in workers’ compensation cases. When appealing long-term disability, understanding the tricks and tactics of insurance companies is often a make-or-break factor in the case. At Law Office of Sam Scudder, we bring our experience to every case, fighting these companies to ensure that you get the long-term disability benefits that you need to lead your life.
Insurance Companies and Long-Term Disability Claims
Both the claims and appeals process can be long and filled with procedural and bureaucratic frustration. It is critical to contact an attorney if you believe that your claim has been denied unfairly or in “bad faith.” Some standard bad faith denials include:
- The claim is delayed beyond a reasonable amount of time: Typically, in your long-term disability policy, there should be a clause dictating when a response to the claim must be made. If your claim has gone beyond this date, you may want to consider your legal options.
- The reason for the claim denial is not valid: A lawyer can help you understand the fine print of long-term disability policies and if the reason for the claim being denied falls within the boundaries of the policy.
- The insurance company attempted to pay lower benefits than those originally stated in the long-term disability policy: Typically, if you claim is approved, the benefit levels will be stated in the policy. If the benefits offered deviate from this stated amount, you should speak to a long-term disability claims lawyer.
- The insurance company repeatedly requests information that has already been provided: This may be a tactic to try to delay your claim past the mandated filing date.
- The insurance company requests information that is excessive or unnecessary: If the insurance company asks for information that seems unreasonable and beyond the scope of the claim, you should speak to a lawyer regarding which information you should provide.
Beyond the risk of bad faith claim denials, there is also a risk that the insurance company has used unfair evidence collection as a part of denying your claim. Some long-term disability companies will try to conduct surveillance on people who file a claim. The company may hire assessors to videotape you doing activities, such as shopping or taking out the trash, in an attempt to demonstrate that you are not physically injured.
Any video footage that an insurance company may try to use in court is not fair because it does not show the full consequences of your injury. Often, insurance companies try to cherry-pick the data and show evidence that only supports their claim. If an insurance company attempts to use video evidence against you, consult with a lawyer who will understand how to defend against such evidence.
Appealing Unfair Denials
Disability insurers and the state and federal agencies that oversee the payment of disability benefits often deny applications for strictly procedural reasons, such as improperly filed paperwork. To grant the filer an opportunity to pursue the matter further, each different agency has a process in place to allow for an appeal when an initial application has been rejected.
Unfortunately, the appeals process is not a guarantee that all justified claims will be approved. Furthermore, the number of available appeals is limited, so it is important that you make the strongest case for your appeal that you can.
The Morehead City long-term disability lawyers of Law Office of Sam Scudder, are committed to helping our clients build and present convincing long-term disability appeals. Our experience with the appeals process allows us to identify what the problems were in the first go-round, and to address them before an appeal is wasted by submitting essentially the same application again.
When a long-term disability insurance company denies your claim, you may feel like you have nowhere to turn. You don’t have to handle the appeals process on your own. The Morehead City long-term disability claims lawyers of Law Office of Sam Scudder have the knowledge and experience in workers’ compensation law to fight for your claim in court. We can get you the compensation that you need to continue to live a normal life and maintain your health and well-being.
We know that it is frustrating to have your valid claim for long-term disability benefits denied. It can feel like an affront to your integrity and an unsympathetic dismissal of the injury or illness with which you are suffering. To strengthen your long-term disability appeals contact the Morehead City long-term disability lawyers of Law Office of Sam Scudder, at (252) 222-0227.