If you have a disability insurance policy and have been denied benefits, then you may be feeling frustrated and helpless. After all, you have been paying these premiums for years, and you are entitled to these benefits. But now the insurance company has denied your claim, stating that your disability is not covered under the policy.

Before you despair, however, you should know that you have legal options available to you. You can hire a disability insurance lawyer who will fight for your rights and help you get the benefits that you deserve. Here’s how a disability insurance lawyer can help you win your case:

1. Understand your policy.

If you have been denied benefits, it is likely because the insurance company has determined that your disability is not covered under the policy. But before you give up, you should have a lawyer review your policy to make sure that the insurance company is correct.

There are many different types of disability insurance policies, and they can be confusing to read. A lawyer who specializes in this area will be able to help you understand the terms of your policy and determine if your disability is covered.

2. Gather evidence to support your claim.

To win your case, you will need to prove to the insurance company that you are disabled. This can be difficult to do on your own, but a lawyer can help you gather the evidence that you need.

Your lawyer will likely request your medical records and may even hire an independent medical examiner to evaluate your condition. He or she will also gather evidence of your past earnings and job duties to show how your disability has impacted your ability to work.

3. Negotiate with the insurance company.

Once you have gathered the evidence that you need to support your claim, your lawyer will then negotiate with the insurance company on your behalf. He or she will try to reach a settlement that is fair to you and that will provide you with the benefits that you deserve.

If the insurance company is unwilling to negotiate in good faith, then your lawyer may recommend filing a lawsuit. This is the last resort, but it may be necessary to get the benefits that you are entitled to. Click to read more https://wylliespears.com/services/long-term-disability-benefits/.

4. Represent you in court.

If your case goes to court, then you will need a lawyer to represent you. He or she will present your evidence to the judge and argue on your behalf.

Your lawyer will also cross-examine the insurance company’s witnesses and experts. This can be a very effective way to disprove the insurance company’s arguments and get the benefits that you deserve.