Now, it’s worth noting that long term disability insurance has the sole intention of providing income protection to those who have become ill and are thoroughly unable to perform their professional duties at their regular occupation.
Litigating disability insurance claim would entail that your attorney has clearly defined the amount of the disability benefits that you are claiming and that you are entitled to. This particular amount is going to be dependent on the provisions which are thoroughly set forth in your individual insurance policy. However, different types of disability benefits are going to entitle you to different insurance amounts so let’s break them down a notch.
Partial Disability Benefits
In a wide range of insurance policies, if the claimant is still partially able to perform certain tasks at his or hers professional occupation, only partial benefits are going to be entitled. With this in mind, this would have to be carefully thought out by the lawyer.
Residual Disability Benefits
If you are going to be recovering gradually over a period of time you would be entitled to the so called residual disability benefit. This means that your insurers are likely to be claiming that you receive a residual benefit as per the policy. In these particular cases you would have to rely on your lawyer to be able to prove totally disabled benefit.
Now, it’s also possible that your insurer denies you payment and recovery of the damages. In this case you are rightfully entitled to filing a claim with the court and claiming your rights there. You would have to go through a civil lawsuit procedure which is going to take time and money but it would be the only way to get what is rightfully yours. However, the procedure would also require you to hire a professional attorney to represent you in front of the judge and to protect your legal rights. Furthermore, you would also be capable of claiming interest from the moment the compensation was due to the moment the verdict was set in force.
In any case, this is likely to be the worst case scenario as it’s going to take a significant amount of time and effort and the result is never guaranteed, regardless of whether or not you are convinced that compensation is due. This is why it might be a good idea to proceed to handling the matter outside of the court through different mediation procedures or even going for arbitration. You should aim at getting a settlement as soon as possible because this is what’s going to ensure thorough and prompt paying of what’s due and what you are rightfully entitled to. Hiring an experienced personal injury lawyer in Cambridge would be the right thing to do so that your interests are well-represented and you are not low balled by the insurance company into accepting their minimum amount as compensation.