Our clients often have a mix of strong emotions when they learn that their disability insurance benefits are being terminated or denied. Disbelief. Anger. Fear. Exhaustion. At Monahan Tucker Law, we’re here to give you back your feelings of calm, safety, and certainty by standing up to your insurance company and fighting for the benefits you deserve.
Coming to terms with a disability that prevents you from working is difficult enough, and navigating the complex world of insurance claims can make the situation even more stressful. Your disability itself might make the work required to comply with the insurer’s demands close to impossible. Fortunately, you don’t have to navigate the claims appeal and legal system alone. A San Diego long-term disability insurance lawyer can help you understand your rights and fight for the financial support you deserve.
When searching for a lawyer, the first thing to consider is their experience and knowledge of long-term disability insurance law. This area of law can be complex, so it’s important to have someone on your side who knows the various types of policies, the limits and exclusions for coverage, and the processes for filing a claim. Look for a lawyer who has a track record of success in handling similar cases and has a deep understanding of the nuances of long-term disability insurance law.
Also, consider the breadth of their experience – an attorney who has experience representing insurance companies before moving to represent insureds will have insight into the process that other attorneys cannot have. And while technology has made it easy for attorneys to represent you from anywhere in the country, make sure that your attorney is admitted to practice in your jurisdiction and has deep roots in the courts in your area. Too many attorneys try to cast a nationwide net for clients but then farm them out to local attorneys who were never selected or vetted by you. Others cast a national net and then insist on filing your lawsuit in their own local courts. This arrangement may not be favorable to you as different jurisdictions have different laws and practices, and it only benefits your attorney.
Dealing with a long-term disability can be an emotionally challenging time. You want a San Diego long-term disability insurance lawyer who understands what you’re going through and who makes you feel comfortable and safe. They should be available to answer your questions, address your concerns, and keep you informed of the progress of your case. Look for a long-term disability lawyer who prioritizes clear and effective communication and makes you feel seen and heard throughout the process. Remember – you are in charge of the process. Your lawyer works for you. Anyone who makes you feel differently is not the right fit for you.
When it comes to long-term disability insurance claims, insurance companies have various options once they recognize that you will not stop fighting their denial. They can put you back on claim and pay your monthly benefits. They can buy out your insurance policy for a lump sum. They can refuse to back down, and the parties can go to trial. But you have a say in the outcome too. You can push for benefit reinstatement. You can refuse to accept a settlement and focus on trial. The right attorney for you will explain the options and help you get the result that is best for you and will not push for a quick settlement that may be best for them.
Successfully navigating a long-term disability insurance claim requires attention to detail and a commitment to thorough preparation. Your lawyer should be meticulous in their approach to your case, gathering all necessary medical and financial information and building a comprehensive strategy for securing the compensation you deserve. Look for a lawyer who demonstrates both the attention to detail and the commitment to your case that you need to feel confident in the process.
Finally, it’s important to consider the cost of hiring a long-term disability insurance lawyer. Some lawyers offer a free initial consultation, while others charge for any interactions they have with a potential client. Most, but not all, will seek to represent you on a contingency fee basis. That means that you do not pay anything. Instead, you and your attorney agree on a percentage of your winnings as the attorney fee, and the attorney keeps that percentage if the claim is reinstated, settled, or won in court. The percentages can be quite different between attorneys, so it is important to do your homework. Look not at just the amount the attorney keeps if you settle or win, look at the percentage they would keep of any reinstated claim and for how long they would keep it. Also, look at how your attorney handles the costs of the litigation – do you pay them upfront, or only if the case is successful?
A retainer agreement may include specific decisions that the attorney wants to take out of your hands and may include scenarios where the attorney can fire you. If that is the case, look at the language around what happens if you part ways – some attorneys seek to keep a right to the eventual results of your case even if they fire you as a client during the representation. It’s also an opportunity to discuss the lawyer’s fee structure and get clarity on what you can expect in terms of costs and expenses.
Finding the right San Diego long-term disability insurance lawyer can be critical in securing the financial support you need in the wake of a long-term disability. By prioritizing experience, knowledge, communication, empathy, advocacy, and attention to detail, you can feel confident that your lawyer has your best interests at heart and is prepared to stand up for you when your insurance company lets you down. Don’t hesitate to reach out to Monahan Tucker Law, and we can show you how we check all the boxes to best support your legal needs. The right lawyer will make you feel that you are in control of your life again.
Our attorneys have decades of experience with insurance litigation and an unparalleled track record of success.
Your trust is important to us. From our first consultation through litigation, we will be transparent with you, and we will hear you every step of the way.
We are one of the rare firms that can provide first-hand knowledge of how your insurer thinks and reacts, and has consistently prevailed in some of the most complex and high value insurance disputes seen in ERISA and non-ERISA litigation.
Our attorneys trained at some of the most aggressive large law firms in the world. Though we believe there are usually better ways to litigate and resolve disputes, our opposition does not always agree. When necessary, we are masters of unrelenting, tenacious litigation. When you hire us, you turn the insurer’s previous weapon against it.
We do this work because we want to be here, for you. We understand what you have been through, and that everyone has times where they need support. One of the strongest steps for yourself and your family is to ask us for help. Together, we’ve got this.
I empathize with you that you find yourself in need of a Disability Insurance Attorney. Stacy Tucker empathized, and compassionately assisted me throughout a very difficult, complicated and drawn-out legal process. I was very satisfied with the result we ultimately...
Stacy Tucker is a knowledgeable, skilled attorney who you want on your side. In a difficult LTD case, with complicating factors, Stacy fought hard to get me the best possible outcome. I was wrongly denied benefits by my LTD carrier...
Excellent attorney! Could not be any better! Stacy helped me with my long-term disability case. After fighting with the insurance company on my own, I was exhausted and frustrated. After the very first conversation with Stacy, I knew I could...
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