When you purchased your long-term disability insurance policy, you probably thought that you were taking steps to protect yourself in the event that you became disabled and unable to work for a considerable amount of time. And that is how long-term disability benefits are supposed to work.
Unfortunately, many claimants are surprised to find that the insurance company is unwilling to approve their claim for benefits, despite meeting all of the criteria and requirements necessary for long-term disability claim approval. When this happens to you, get help accessing your Minnesota long-term disability benefits when you contact Kemmitt, Sanford & Kramer. Call us at (877) 630-7338 to claim your free case review today.
Are you struggling to figure out which law firm is right to take on your long-term disability case? Here are some of the benefits you get when you choose Kemmitt, Sanford & Kramer:
You may have the right to file for long-term disability benefits in Minnesota if you are diagnosed with a medical condition that will prevent you from being able to work. Every long-term disability insurance policy is different. This means that one person’s policy terms may be different from another.
However, for most long-term disability cases, in order to get your claim for benefits approved in Minnesota, you will first need to have exhausted all of your sick time, paid time off, and any short-term disability benefits that you may have purchased as well.
You will also need to be able to show the insurance company that your medical condition is so severe that you are unable to continue working. Make sure that your medical records are thorough and that you include as much supporting information as possible so that the insurance company has no other choice but to approve your claim for long-term disability benefits.
Unfortunately, you could fill out your claim for long-term disability benefits perfectly and the insurance company would still find a reason to deny it. The insurance company only cares about their profits. They do not care about you or the challenges you are facing to cope financially or physically due to your injuries or disability.
If you hope to get a long-term disability insurance denial overturned, you will need an experienced legal advocate on your side. Generally, by providing the insurance company with corrections to your application or additional supporting records, you may get your denial overturned.
However, your long-term disability attorney will be prepared to bring your case to court if the insurance company refuses to issue you the benefits that are rightfully yours.
Just because the insurance company denies your claim for long-term disability benefits does not mean that you are not going to be able to access them. By filing and winning your appeal, the insurance company could be forced to overturn their decision to deny your claim.
Find out what steps you need to take to appeal your long-term disability denial when you call a dedicated Minnesota long-term disability lawyer at Kemmitt, Sanford & Kramer. Call our office at (877) 630-7338 or fill out our online contact form to schedule your free claim evaluation.