Navigating the world of Long Term Disability claims and appeals can be daunting, especially when misinformation abounds. Our Longwood Long Term Disability attorney sets the record straight on some common myths to reveal the facts you need to know.

Facing an injury or illness that impedes your ability to work is challenging enough without the added confusion surrounding Long Term Disability (LTD) claims, denials, and appeals. With so much uncertainty, it is easy to feel overwhelmed. However, seeking guidance from a Long Term Disability lawyer in Longwood can provide clarity and put you on the path to a successful claim.

Myth: Long Term Disability Claims Are Always Approved on the First Try

Fact: While many hope for a smooth approval process, the reality is that almost half of initial LTD claims are denied. However, this does not mean all hope is lost. You can significantly help your case by partnering with a seasoned Long Term Disability attorney. We will meticulously prepare your case, help you gather all necessary documentation, and provide strategic advocacy.

Myth: You Cannot Appeal a Denied Long Term Disability Claim

Fact: Contrary to popular belief, denials are not the end of the road. You have the right to appeal a denied Long Term Disability claim. With the guidance of a skilled LTD attorney in Longwood, you can navigate the appeals process effectively, presenting new evidence and arguments to support your case.

Myth: Long Term Disability Benefits Are Guaranteed for Life

Fact: While Long Term Disability benefits can provide crucial financial support during incapacity, they are not necessarily guaranteed for life. Most policies have specific terms and conditions outlining the duration and criteria for benefits. Longwood Long Term Disability attorneys can help you understand the terms of your policy and plan for the future accordingly.

Myth: You Do Not Need Medical Documentation to Support Your Long Term Disability Claim

Fact: Medical documentation is essential for substantiating your Long Term Disability claim. Insurance companies require evidence of your medical condition and its impact on your ability to work. 

Working closely with your healthcare providers to obtain thorough and accurate medical records is crucial. An experienced Long Term Disability attorney can assist you in collecting the essential documentation and verifying its alignment with your policy’s requirements.

Myth: Hiring a Long Term Disability Attorney Is Too Expensive

Fact: Many individuals hesitate to seek legal representation for fear of high costs. 

In our office, we provide personalized fee agreements for each Long Term Disability client, ensuring transparency and addressing individual needs. 

We have found that a standard contingency fee agreement often does not cover all necessary aspects and may lead to surprise costs. Our approach aims to offer comprehensive support beyond benefit entitlement, guiding clients through related issues and providing ongoing assistance without unexpected expenses.

Myth: You Cannot Apply for Long Term Disability While Receiving Social Security Disability Benefits

Fact: It is a common misconception that individuals cannot simultaneously receive Long Term Disability and Social Security Disability (SSDI) benefits. However, in many cases, individuals may qualify for both benefits. 

While SSDI benefits may offset the LTD benefits received, applying for and receiving both forms of assistance is still possible. Getting guidance from a knowledgeable Long Term Disability attorney can help you understand the interaction between these benefits and maximize your overall financial support.

Take Action with Herbert M. Hill, P.A.

Do not allow misconceptions about Long Term Disability claims and appeals to hinder your pursuit of the benefits you are entitled to. Contact our trusted Longwood Long Term Disability attorney and begin exploring your legal options today. 

Our dedicated team is prepared to champion your rights and guide you through your appeal. Schedule a consultation with us to take the initial step towards securing the benefits you deserve.