Disability Insurance Attorney in Texas
A disability is defined as a physical or mental impairment that substantially limits one or more major life activity and includes people who have a history of such an impairment, even if they do not currently have a disability. If you’ve had a serious injury, it can be debilitating and potentially prevent you from being able to work for a short or long-term period. Unfortunately, life-altering injuries are very common, and many employees find themselves in a situation where their injuries can put them out of work for weeks or for good. It’s possible that you purchased or were provided disability insurance at the beginning of your job, but knowing how to file a disability insurance claim can be confusing and often requires a disability insurance attorney to help you through the process. Benefits received as a result of filing a claim for disability insurance can relieve so much of the stress associated with losing work because of an injury. If you have been seriously injured and been unable to work, as a result, read below to see how The Siddique Firm can help you.
What Different Types of Disability Insurance Are There?
The first step after your injury is to figure out what type of disability insurance you have and what is necessary for your current situation. There are generally two main types of disability insurance: long-term and short-term. Your disability insurance coverage depends on the plan you purchased through a private insurer or chose through your employer. Before you purchase or choose a certain type of disability insurance, you could consult with a disability insurance attorney to help decide which insurance coverage is right for you.
Long-term disability is a form of disability insurance that supports you for a lifetime. If your injury caused a disability that lasts longer than 6 months, long-term disability insurance should cover your needs for as long as you experience your disability. However, because of how long this type of insurance covers individuals, it is often significantly more costly, and you can often find yourself waiting for a few weeks to months to receive your benefits.
On the other hand, short-term disability insurance is a type of insurance that covers you for a much shorter period of time. Usually, short-term disability insurance covers you for 3-6 months. However, in California, your coverage could last up to a year. Short-term disability insurance is usually less expensive but does not last nearly as long as long-term disability insurance.
Can My Disability Insurance Claim Be Denied?
Unfortunately, insurance companies tend to not care about the individuals they cover and more so care about one thing: profit. Disability insurance companies are similar to almost any other type of insurance company in that they will do whatever they can to avoid paying a claim. Additionally, the law is not necessarily on your side. Disability insurance laws allow insurance companies to issue policies, interpret those policies, and make the decisions on whether you meet the policy requirements. You are much better protected from being taken advantage of by disability insurance companies when you hire a disability insurance attorney who can help protect your rights. Even if you feel you have a legitimate claim, you can still be denied. Common reasons disability claims can be denied include:
- Paperwork issues
- Insufficient medical evidence
- Not meeting your insurance company’s definition of disabled
- Your insurance company has evidence that contradicts your disability
If You Need to File a Disability Insurance Claim, Speak with an Attorney Today.
Hiring a disability insurance attorney is the best way to make sure you have sufficient evidence of your injury and disability and can prevent you from being taken advantage of by disability insurance companies that only care about making a profit off of you. At The Siddique Firm, our disability insurance attorneys know the ins and outs of filing claims against big insurance companies and can help keep your case on track so your insurance company doesn’t take advantage of you. If you need a disability insurance attorney, please contact at 972-777-4878.