When to Consider an Attorney
When it comes to disability insurance, the earlier you call a lawyer for help to better. A lawyer can be helpful even if you just at the stage where you're thinking about submitting an application. In general, your chances of approval go up when you use legal representation. As well, if you use a lawyer right at the beginning you may end up spending less money. You probably won't be owed a lot of back benefits once you receive your check so you won't have to pay your lawyer as much. This is definitely a win-win situation for both the client and the attorney. The lawyer receives work and the client pays less.
A lawyer should be consulted at any point in the process. If you've already submitted an application and have been waiting for an answer, you can also talk to an attorney. It's a better idea, however, to wait to see if you get a denial and then make the call because during the approval process the lawyer won't be able to do anything until you hear word back. If you receive a denial - call a lawyer at once. You don't want to get stuck on the endless loop of application denials that can occur when you're dealing with this type of lengthy and complex process.