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LTD Claim Preparation is Critically Important. Here’s Why

It’s not a secret that insurance companies do everything possible to avoid a level playing field when it comes to their handling of long-term disability claims.

For starters, they routinely question the very premise that a claimant’s illness or condition satisfies their requirements for what comprises a disabling condition.

Moreover, even if you know that your LTD claim is legitimate, you are still going to have to clear a proof hurdle established by the insurer’s claims process. Among other things, it is probably in your best interests to create a systematic log or other tracking source that helps to document your symptoms in relation to how they prevent you from performing your job duties. This will help you and your treating doctors provide ample proof of the severity of your condition.

It is often the case that owing to the very nature of your disability, you are operating with diminished strength, stamina or cognitive abilities as you respond to sometimes hyper-technical and challenging policy requirements and claims questionnaires. Insurers will sometimes try to take advantage of your diminished capacity by overwhelming you with requests for information.

Insurers unquestionably prefer dealing with claimants who lack assistance in LTD claims from proven, aggressive and industry-savvy attorneys, especially when it comes to claim preparation. That stage of the claims process is a critical focal point in every disability case. The acumen that established legal counsel commands in persuasively proving and supporting a claim prior to its filing is often instrumental in its outcome.

A California resident with questions or concerns regarding any aspect of an LTD claim can turn to an established disability claims attorney with a demonstrated record of strong support for clients across the state.

Client Reviews
Just when I thought there was no hope to recover my LTD benefits, I found attorney Constantin Roboostoff. With his expertise, I was able to recover all of my back long term disability benefits. Other attorneys wouldn’t take my case because it wasn’t cut and dry. Mr. Roboostoff took the challenge and did an incredible job. Not only did he get my current disability benefits going, he also recovered all my back benefits. He was a true blessing and I would recommend him whole heartedly. CW
It was my pleasure to make contact with Scott Kalkin three years ago after other lawyers had turned me away and told me I would not succeed in my lawsuit. Thanks to Scott's thoroughness, dedication, and diligence, my lawsuit WAS successful and he saw me through to the end, which included putting legal pressure on the insurance company which had invested so much time, personnel, and money, in not paying me what was due. RB
As soon as I met with Scott, I could tell he was knowledgeable, resourceful, experienced, highly professional, and would be dedicated to getting me fair treatment. Scott has handled all interactions with my insurance company ever since. Being able to rely on him to represent me has been a huge relief for a chronically ill person. SO