What’s Ahead When You Become Disabled?
If you have a short term or long term disability plan through your employer or with a plan you purchased directly from an insurer, you may feel confident that you could manage well into the future should you become disabled. Unfortunately, that isn’t always the way it is. There are a variety of reasons why you may need to seek the assistance of an attorney who has expert knowledge concerning long term disability claims.
Insurers may challenge your claim
If you have been injured in a vehicle accident, you are surely very aware of how severe your physical pain is. You may even be experiencing some psychological trauma related to the accident. Insurance companies find these to be ideal areas in which to challenge the authenticity of your claim. Dealing with a dispute on your own is extremely difficult simply because you are not experienced in dealing with the challenges that lie ahead.
Injuries from vehicle accidents
The type of vehicle that caused the accident can factor into your claim. For example, if a truck caused the accident, factors such as driver fatigue, overload and improper maintenance on the truck are points to consider. An experienced attorney will be aware of these and can explore them in regards to your claim. The type of vehicle you were traveling in can also factor into the claim. Motorcycle riders often sustain serious injuries that require a long recovery period. If you were injured while riding a motorcycle, you’ll need a means of financial support as you undergo medical treatment and possibly extensive physical therapy.
Calculating your needs
Prior to being injured in an accident, you probably had no idea how expensive medical treatment and rehabilitation services are. By hiring a reputable, experienced attorney to handle your claim, you will have someone on your side who has access to medical experts and accountants who can calculate and project your future needs.
Most people pay for disability insurance expecting that their claim will not be challenged and that their financial future is secure. Unfortunately, that sense of security can quickly diminish when the insurer challenges or denies your claim. Your unfamiliarity with claims procedures leaves you at a disadvantage when it comes to a claim denial or challenge. It is best to hire an experienced attorney to handle your claim while you focus on healing.