As Melbourne Long Term Disability attorneys, we have helped countless clients through the Long Term Disability claims process. Here are some of the most common questions we receive.

Navigating Long Term Disability claims can be difficult and often very stressful, especially when you are facing insurance companies that are working to avoid paying your benefits. It is always in your best interest to work with experienced Melbourne Long Term Disability attorneys who can increase your chances of a favorable decision. In this blog, we will answer some of the frequently asked questions we receive from our clients. 

The Top 4 Questions We Are Asked As Melbourne Long Term Disability Attorneys

Does your firm only represent individuals? Or will you represent insurance companies as well?

In a Long Term Disability case, both parties (the insurance company and the insured individual) will often have legal representation. The attorneys at Herbert M. Hill, P.A. always represent the individual, and never the insurance company. It is our goal to provide you with diligent and vigorous representation.

Does your firm specialize in Long Term Disability insurance cases?

Yes we do. When it comes to your Long Term Disability claim, you do not want legal representation from an attorney that has limited experience practicing law in this area. An experienced Long Term Disability attorney will be familiar with all of the legal nuances of your claim, and will know the best strategies to use to help you get your claim settled. 

Will my Social Security Disability payments impact my Long Term Disability payments?

It is almost always the goal of your insurance company to pay as little as they can, and because of this, many Long Term Disability insurance policies require that you apply for Social Security Disability. If you are approved for Social Security Disability, your insurance company will often reduce your monthly payments by the amount that you are receiving from Social Security. 

For example, if your Long Term Disability monthly benefits were $1,000 per month, and you were approved for $500 per month in Social Security Disability benefits, your insurance company could reduce your monthly payment by $500 each month.

When is the best time to hire a Long Term Disability attorney?

The best time to hire a Melbourne Long Term Disability attorney is as early in the claims process as possible. As soon as you find that you are no longer able to work, consulting with your attorney will help you understand the options that are available to you and the best way to proceed.

Many of our clients wait until their claim has already been denied by their insurer before contacting us, but this is not advised. An experienced attorney can assist you with your initial application and help you avoid common pitfalls in the claims process. 

But if you have already been denied benefits, it is very important to start working with an attorney right away, since Long Term Disability policies have very strict timelines that you must adhere to when appealing a denial.

Herbert M. Hill, P.A. Has The Melbourne Long Term Disability Attorneys For You

Our experienced attorneys can bring new and original strategies to your claim for Long Term Disability benefits. Contact us today to schedule your initial consultation.