Trying to Secure Disability Insurance Benefits? Work with Our Experienced Alabama Disability Lawyers
Living with a disabling injury can alter one’s life in significant ways. Physical pain, changes in lifestyle and having to leave work are all side effects of life with a disability. Fortunately, filing a disability insurance claim can get you the monetary compensation you need to adjust. However, getting an approval on your disability claim is difficult to achieve.
When you need help obtaining disability benefits, you can turn to the Alabama disability lawyers at Tucker Disability Law. We can walk you through the VA disability appeals process or any step of the long term disability insurance claims process to help you obtain the benefits you deserve.
Disability Insurance Claims
Group Disability Insurance Claims or ERISA
Unlike private coverage, group coverage applies to policies purchased through an employer or union. While individual policies may differ, generally all group policies are subject to ERISA. This federal law which protects employees from having their benefits mismanaged.
Since ERISA is a federal law, there are specific steps for filing or appealing a group insurance claim. An Alabama disability lawyer can walk you through these steps. If you are filing your initial claim or receive a claim denial, contact our firm to work with an ERISA attorney in Alabama. Our law firm serves clients across the state of Alabama and nationwide.
Individual Disability Insurance
Individual disability insurance policies offer private coverage to the purchaser. People with this type of coverage purchased it on their own and not through a group or employer. Since this kind of coverage is an individual policy, it is not covered by federal ERISA law. Instead, Alabama state law will govern the filing process for individual disability insurance claims.
The Alabama disability lawyers of Tucker Disability Law offer help during the filing, appealing or litigation process. Working with an experienced attorney can be beneficial for securing your compensation.
Disability Claims Process
The disability claims process can include filing a claim, appealing a claim or filing a lawsuit to secure benefits. Some people receive an approval upon filing their initial claim. Others secure compensation only after submitting a request to appeal or by winning a lawsuit. Our Alabama disability lawyers counsel clients through every stage as needed.
Filing a Claim
Filing a claim will differ depending on the type of policy you have, group or individual. This is because group policies are subject to federal rules, while individual policies obey state rules. However, filing either type of claim will require submitting strong evidence of your claim. This includes all relevant documentation of your injury or illness.
Once submitted, the insurer will investigate your claim. If asked to complete further tests or paperwork, contact an Alabama disability lawyer.
Appealing a Rejected Claim
Insurers are notorious for rejecting disability claims. If this happens to you, do not panic. The appeals process is available to both group and individual policy holders. However, the appeals process for each will differ according to state and federal requirements. When appealing a denied claim, you may have to fulfill any of the following:
- Meet a strict deadline for submitting the appeal
- Provide further evidence or witnesses’ accounts of your injury
- Complete further testing for proof of injury
- Provide further documentation of injury-imposed limitations
Filing a Lawsuit
If your appeal gets denied, you can pursue the matter through litigation. The Alabama disability attorneys at Tucker Disability Law can help you determine how to move forward with your claim after an appeal denial. Our attorneys have earned a reputation for being aggressive litigators against insurers on behalf of our clients. Contact our firm to learn more about your litigation options.
VA Disability Insurance Claims in Alabama
Veterans living with a disability in Alabama can apply for VA disability benefits. Unfortunately, the VA is often oversaturated with claims, making the process slow. For this reason, it is important to begin filling out your application as soon as possible. There are facilities in Alabama which can offer you guidance when you are getting started.
State Resources
How to Win Your VA Claim in Alabama
The process for filing a claim with the VA involves proving your injury is disabling and resulted from your time as a military service member. You will need to submit this proof with your application. You can submit both either online, through the mail, or in person at a regional office.
How to Appeal a VA Disability Claim Denial
It is not uncommon for the VA to unfairly deny veterans their benefits. When this happens, our Alabama disability lawyers can step in to help. We work hard to overturn a claim denial by helping veterans with the following:
- Filing a Notice of Disagreement
- Gathering further evidence to support your claim
- Filing the appeal
- Monitoring the progress of your case
- Representing veterans in formal proceedings
Cities We Serve in Alabama
The Alabama disability attorneys of Tucker Disability Law serve clients in the following areas:
- Birmingham
- Montgomery
- Huntsville
- Mobile
- Tuscaloosa
- Hoover
- Dothan
- Auburn
- Decatur
- Madison
Learn More About Disability Claims from Our Alabama Disability Lawyers
Securing disability insurance benefits can be an uphill battle, regardless of the type of coverage you have. If you need help obtaining disability insurance benefits or appealing a VA claim denial, contact an Alabama disability lawyer to discuss your case.
At Tucker Disability Law we offer free consultations that you can schedule online or at (866) 282-5260.
