Insurance Disability Claims and When You Need a Personal Injury Lawyer for Them
Insurance disability guidelines vary according to the policy and the provider but there are certain elements that are universal. These are fairly straightforward and we use them as the basis upon which we build our disability insurance cases. Some of these fall under the category of personal injury, depending on the circumstances involved in the development of the disability.
The three main stipulations that must be adhered to in every disability policy involve the effective date of the policy, the severity of the ailment and whether it is indeed a disability, and the requirement that the claimant be under a doctor’s care. Medical documentation will be required to obtain any benefits.
As Houston personal injury attorneys we see a number of cases where the claim of disability is challenged by doctors hired by the insurance company. To advance your claim claim it maybe necessary to bring in our own medical professionals to present a compelling case. This is often a long and difficult process as insurance companies don’t like to pay when a disability appears to be permanent.
Most people have long term and short term disability insurance policies through their employer but that is no guarantee that if you experience a disabling condition that you will be able to collect. The burden of proof lies solely on the shoulders of the claimant. If you have to prove your claim then you will need the services of a Houston personal injury attorney to make sure your rights are protected.
Disability claims typically need to be filed within a certain time period, usually sixty days. However, time periods can vary, so you should read the terms of your policy. If you have experienced a situation at work that has led to a disability, then you should move fast to make sure your future is secured. Contact us today and allow us to evaluate your case. If possible, obtain your medical documentation so we can properly evaluate your claim. It’s in your best interest.
Uncategorized | attorney_houston December 30, 2009
