FAQ: About Disability Claims

Disability Lawyer Memphis TNThe Importance of Choosing the Best Disability Lawyer Memphis TN Offers
If you have recently suffered a serious injury, you may be wondering what exactly a disability lawyer in Memphis TN is and what kind of legal services they can offer their clients. Whether you are considering submitting a disability claim, are appealing a claim that was denied, or are filing for a reconsideration, a disability attorney can help you through the process. Below we provide information about disability attorneys, insurance policies, medical exams, and other issues that may affect the success of your disability claim. At Darrell Castle and Associates, PLLP, we are here to serve your legal needs; do not hesitate to call us with your questions or concerns.

How can a disability attorney help me?
An attorney who is experienced handling disability cases can help you complete the necessary claim forms. With their help, you can minimize the risk of a claim denial due to incomplete forms or errors. Many insurance companies are aware that applying for disability benefits is challenging and they may take advantage of people’s lack of knowledge to deny their claims. A Memphis disability lawyer can help you understand the strict provisions and claim requirements in your policy and comply as necessary.

Should I be wary of the request for a medical examination?
After the company receives your disability claim, you may be required to submit to a medical exam performed by an independent doctor. However, this physician or examiner is likely employed by the insurance company. This can lead to a biased and inaccurate evaluation of your health. With the assistance of a disability lawyer in Memphis TN, you can protect your rights. A fair medical examination may be key to the approval of your disability claim.

How do I obtain evidence that supports my medical condition?
Fully discussing and disclosing symptoms without minimizing your condition may motivate a doctor to do the right thing and record your examination with an unbiased mind. Ask for a copy of the exam to keep for yourself, and another for your Memphis disability lawyer so they can perform a thorough review of the evaluation.

Is it true that I may be under surveillance after submitting my claim?
Upon receiving your disability paperwork, the insurance company may photograph or videotape you without your consent or awareness. What they may be looking for is to catch you performing an activity or task that you claimed you were unable to perform due to your condition. If they are successful, the insurance company may use this footage or photograph as a reason to terminate or deny your benefits.

What is the difference between “own occupation” and “any occupation” when it comes to a disability claim form?
“Own occupation” refers to policy benefits that mean you are not able to work in your specific occupation. “Any occupation” means you are not able to work within any occupation at all. If you have any further questions or are confused about terminology in your disability claim paperwork, contact your Memphis disability lawyer.

What if my disability claim is denied?
In the event of a disability claim rejection, it may be best to get the help of an attorney if you do not already have one. If you are interested in filing a lawsuit against the company, you may have to submit an appeal or reconsideration first. A disability lawyer Memphis TN offers can help you decide which route is the next best choice of action for you. Call us at Darrell Castle and Associates, PLLP to find out how we can help you.