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Any type or form of disability can be both physically and mentally debilitating. The pain of not being able to work according to your pre-disability potential is heightened by unpaid bills and mounting medical expenses. This is the time where you could use every little help you can get from any quarter. Workers usually have disability insurance coverage, though unfortunately insurance companies often fail to play fair when it comes to processing disability claims. This is where a good disability insurance lawyer could be of utmost help. He/she can fight aggressively for your case and ensure that you get what is your rightful claim. Good lawyers, well-versed with the law, will plug any loopholes that the insurance companies keep looking for to deny the rightful claim of disabled individuals. Disability Insurance: Do You Need One? Majority of people harbor the misconception that long-term disability happens only to people who have a dangerous job and their own chances of being confined to bed are almost close to nil. Researches and reports carried out by various organizations and agencies can serve as an eye opener to these people. According to studies, 25 percent of the people over the age of 20 have a realistic chance of suffering from some type or form of disability before they retire. Studies also suggest that average long-term disability absence from work is over two years. There is no need to emphasize the fact that surviving that long without any steady source of income can be an extremely painful procedure for a person. Studies also dispel the myth that injuries sustained at work place or anywhere else are the leading reasons of long-term disability. It has been found that serious illnesses like cancer, heart problems, and musculoskeletal and connective tissue disorders, among others are the leading cause of long-term disability. Long-term disability kicks in at the same point short-term disability insurance leaves off. Long-term disability ensures that you manage to keep your head above water by providing you with the amount that is usually between 50 to 60 percent of your total salary. More often than not, it is seen that insurance companies often play truant when it comes to the payment of disability claims. We often hear about unfair or unreasonable denial or underpayment of legitimate insurance claims. People suffering from long-term disability who find themselves at the receiving end of such unfair practices need to immediately get in touch with a good disability insurance lawyer. Qualified lawyers will help them get not only the money but also added compensation for the wrongful denial of claim. Free Lawyers Quite a few good lawyer firms have free legal representations to people who cannot afford a lawyer or harbor doubts about their legal rights. They work ‘pro bono’, meaning that they will work for free and not charge anything from you. Long-term disability can leave some long lasting scars. That is why you need good insurance disability lawyers who can take the insurance companies to task if they indulge in unreasonable delay or denial of rightful claims. Share Lawyers has some of the best disability insurance lawyer who can be of immense help in times of need. They also have quality free lawyers for people who cannot afford lawyer fees.
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