Now that you have suffered severe injuries or are nursing a medical condition that makes you unable to perform your job duties, the most practical step is to file for an ERISA claim. This has become the standard of the American workforce, thanks to the Employee Retirement Income Security Act of 1994. However, before you rush to take the steps of going through the process that is going to directly dictate your future financial state, it is vital that you consider hiring a long term disability attorney. If you are in doubt about the practicality of this decision, then the following factors could be what is required to save you from becoming a victim twice;
- Experience in handling ERISA claims
It all starts with what an ERISA disability lawyer brings to the table and that is the in-depth know-how of what it takes to win a claim. This is primarily why when making the decision on which team to pick, it is vital to consider their years of experience which provides the much-needed insights on their abilities. Little mistakes that can be costly for your case are easily avoided as the professional adheres to the industry’s best practices for every action they take.
Regardless of the medical condition which has resulted in the inability to engage in the activities expected for a specific profession that could be chronic fatigue syndrome, spinal injuries, or fibromyalgia, an attorney will ensure the medical records back the claims. There is always more than requiring a valid letter from a certified doctor, and the professionals will take the initiative of ensuring everything is in order.
- Professional representation
There is no rule that an insurance company will automatically make payments for every claim that they receive and it takes a lot of effort to prove that one genuinely deserves the benefits. Instead of putting your tomorrow at risk yet you are already in a situation where you deserve maximum medical attention, it is vital to let a professional ERISA attorney handle the case. Since the attorney has had face-offs with insurance adjusters before and knows every trick they use to undermine a claim, they will ensure there is no loophole in the claim. Insurance companies often take advantage of policyholders by working to limit their options, but this immediately becomes changed when an attorney is in the picture.
- It is all about your rights
The entitlement to the right benefits after an injury or medical condition is not one that should be left to lady luck as it touches on the core of your livelihood. An experienced attorney knows that you always deserve better and will never settle for less when it comes to ensuring no one takes advantage of your condition. The best part is that if the insurance company does not provide the benefits required after filing an appeal, there is always the option of going to court. Since it is the attorney who handled all the files used for the claims which are stored in the administrative record, they will have the confidence of emerging victorious.