Are you in the middle of a disability insurance dispute? If so, you know how tedious and exhausting the process can be. If your claim keeps getting denied, you may need to hire an attorney to ensure that you get the insurance money you deserve.
Here are some questions you should ask your disability insurance dispute attorney to make sure he or she is a good fit for you and your case.
Do I Have A Valid Case?
When you first meet with your attorney, it is unlikely he or she will be able to predict if your claim will be approved, if he or she will have to file suit, or what the likely outcome of a lawsuit might be. It can take weeks and months to fully evaluate a disability insurance case. Most cases involve multiple doctors whose records must first be obtained, then closely studied. The insurance company’s claim file also must be obtained and closely examined. Also, your attorney will have to get a copy of the insurance policy documents, and read them closely for exemptions, limitations, and deadlines, all of which could impact your claim, for the better or for the worse.
A good disability attorney should be able to tell you about the basic approach to your case, such as whether your case is governed by state or federal law, whether you have missed any critical deadlines, whether you should appeal the claim denial to the insurance company, or if you should go ahead and file suit, and which medical records will be most pertinent to your claim. If your prospective attorney cannot answer these questions, you may want to keep looking.
Likewise, if your prospective attorney starts off promising specific results or dollar amounts, you may want to continue your search for a disability insurance attorney who understands how all of these factors can affect a disability insurance claim.
Do You Have Experience With Cases Like Mine?
It’s crucial that the attorney you hire has experience dealing with cases like yours. Disability insurance disputes can be extremely complicated and are very different from personal injury case (car accidents, dog bites, slip and falls, and the like). Make sure the attorney you hire is experienced in handling disability insurance denials. Because many disability insurance cases are governed by federal law, you should make sure any attorney you hire is admitted to practice in federal court.
Consider An Insurance Dispute Attorney Today
If you believe your disability insurance claim has been wrongly denied, you should contact an attorney today. A good disability insurance attorney can handle the appeal process for you, and, if necessary, file suit against the insurance company, and recover the money you deserve.