Things You Should Know Before Hiring a Disability Insurance Lawyer

When you are no longer able to work because of an illness or injury, long-term disability insurance (LTD) pays a percentage of your salary (usually 60%) to help you cover essential living expenses.

Most LTD policies have a maximum benefit period of two to five years, although some will pay benefits for the rest of your life if you are unable to ever return to work.

If you have been denied LTD benefits, or if your benefits have been wrongfully terminated, you may need to hire a disability insurance lawyer to help you fight for the benefits you are entitled to.

Here are some things you should know before hiring a disability insurance lawyer:

1. Experience

When hiring a disability insurance lawyer, you want to make sure that they have significant experience handling LTD claims. You can ask the lawyer how many LTD cases they have handled and whether they have experience with the insurance company that is denying your claim.

2. Understanding

You want to make sure that the lawyer you hire understands what you are going through. The lawyer should be able to empathize with the stress and anxiety you are feeling and should be able to explain the LTD process in a way that is easy to understand.

3. Free Consultation

Most disability insurance lawyers offer a free initial consultation. This is a good opportunity for you to ask the lawyer any questions you have about your case and to get a feel for whether you would be comfortable working with the lawyer.

4. No Upfront Costs

Most disability insurance lawyers work on a contingency fee basis, which means they only get paid if they win your case. You should not have to pay any upfront costs to hire a disability insurance lawyer.

5. Communication

You want to make sure that the lawyer you hire is good at communicating. You should be able to reach the lawyer when you need to and the lawyer should be able to explain the status of your case in a way that is easy to understand. Get more info, click here https://wylliespears.com/services/long-term-disability-benefits/.

6. Fees

Before you hire a disability insurance lawyer, you should ask about their fees. You want to make sure that you are comfortable with the fee arrangement and that you understand how the lawyer will be paid.