When you suddenly become disabled and unable to continue working, it can feel as though the weight of the world is on your shoulders. Without an ability to earn a living, you may be worried about your future and your ability to provide for yourself and your family. If you were relying on your long-term disability insurance benefits, you may be in for a surprise.
It is not uncommon for insurance companies to deny claimants the long-term disability benefits that are rightfully theirs. If your claim for benefits has been denied, a reputable Rochester long-term disability benefits lawyer at Kemmitt, Sanford & Kramer could help you get your denial reversed. Call us at (877) 630-7338 to find out how we can get started on your case.
Why Select Kemmitt, Sanford & Kramer as Your Long-Term Disability Benefits Lawyer?
Kemmitt, Sanford & Kramer could be the right disability law firm to take on your case. Here is why:
Our firm never charges you anything unless or until we win your case.
We have collectively recovered more than $10 million in unpaid and denied benefits.
Our attorneys are available to visit your home or hospital upon request.
We do not take a one-size-fits-all approach to your case. Every person‘s case is personalized.
You can count on direct and reliable communication with your attorney with prompt updates about your case status.
Who Qualifies for Rochester Long-Term Disability Benefits?
Most people get long-term disability insurance through their employer. In order to be eligible for benefits, you will need to meet the specific terms of your policy.
Long-term disability insurance policies tend to be fairly similar across major insurers. Generally speaking, in order for you to qualify for long-term disability benefits, claimant’s will need to satisfy an Elimination Period – a designated period of time the claimant needs to be out of work due to their medical condition(s). Once you have exhausted this time, the insurance company must begin review of your claim.
You will need to be able to prove to the insurance company that your conditions prevent you from being able to work for the foreseeable future. Many people suffering from serious medical conditions find themselves dealing with additional stress from having to convince the insurance company that their condition prevents them from being able to work. For this reason, do not feel too defeated if you receive a denial when you initially file your application for long-term disability benefits.
Why Was Your Claim for Long-Term Disability Benefits Denied in Rochester?
Insurance companies will deny long-term disability benefits claims for any reason they can. But there are some reasons that long-term disability claims are denied more often than others. They include:
Having a pre-existing medical condition
Filing inaccurate or incomplete long-term disability claims
Making false statements on a long-term disability policy or claim
Making a mistake on your long-term disability claim
Failure to include proper medical documentation
Get Help From a Rochester Long-Term Disability Benefits Attorney
When you need access to your long-term disability benefits, but your claim has been denied, it is important that you take action quickly to get your denial overturned. Get help appealing your Rochester long-term disability benefits denial when you contact an experienced disability attorney at Kemmitt, Sanford & Kramer.
Our firm probably offers free, no-obligation consultations to individuals with disabilities in Rochester and surrounding cities. Take advantage of this opportunity when you complete our convenient contact form or call our office at (877) 630-7338.