No one ever expects for a disability to take over their life. But when you have been diagnosed with a medical condition that prevents you from being able to continue working, you may need to access the long-term disability benefits that you purchased through the insurance company.
Unfortunately, it is not unusual for insurance companies to deny claims of individuals seeking long-term disability benefits in St. Paul. If your claim has been denied, you may need a dedicated legal advocate by your side who can help you throughout the appeals process. Schedule a free consultation with Kemmitt, Sanford & Kramer when you call our office at (877) 630-7338.
When you choose to work with Kemmitt, Sanford & Kramer, you can expect:
Long-term disability benefits are a type of benefit that you purchase in the event that you become disabled and unable to work for the foreseeable future. You may be able to purchase your long-term disability benefits insurance policy through private insurance or you may be offered the opportunity to purchase a policy through your employer.
If you suffer a medical condition that will prevent you from being able to continue working for a considerable period of time, you may need to apply for long-term disability benefits through your insurance provider. Here, you may be issued monthly disability benefits, typically amounting to somewhere around 60 percent of your average weekly earnings.
Keep in mind that every long-term disability insurance policy is different. Your attorney can carefully review your long-term disability insurance policy in order to determine what benefits you should be entitled to.
If you hope to get your claim for St. Paul long-term disability benefits approved, then you need to make sure your application is complete and accurate. You should be sure to include your complete medical records, including any photographs, statements from your healthcare providers, and other relevant medical information that can help the insurance company validate the severity of your disability.
You should also be sure to go through your application in detail to make sure that there are no mistakes. Even the slightest error on your application can result in a denial. However, it is important to note that even if your application is completed perfectly, the insurance company may still deny your claim. If this happens, you can work with your St. Paul long-term disability lawyer throughout the appeals process to get your denial reversed.
When you are struggling to cope with a challenging disability that has taken over your life, being awarded the long-term disability benefits that you are entitled to could help you begin to take back control of your life.
When your claim for St. Paul long-term disability benefits has been denied, contact a reputable St. Paul disability lawyer at Kemmitt, Sanford & Kramer to schedule your free, no-obligation claim review. You can get started on your case today by completing our quick contact form or calling our office at (877) 630-7338.