What is a Contingency Fee?

Contingency fee means that the lawyer does not charge any upfront fees. Instead, they take a percentage of the settlement or award you receive if your claim is successful. This fee structure is common in long-term disability cases because it allows individuals who may not have the financial means to pay legal fees upfront to still get legal representation.

• Percentage Fee: The typical percentage a lawyer takes for long-term disability cases is between 25% and 40% of the total benefits you are awarded. This percentage can vary depending on the complexity of the case, the stage at which the case is resolved, and the lawyer’s experience.

How Do Contingency Fees Work in Long-Term Disability Cases?

• Initial Consultation: Many long-term disability lawyers offer a free initial consultation to discuss your case. This gives you a chance to evaluate whether the lawyer is a good fit for your needs, and it doesn’t cost you anything.
• No Win, No Fee: If you don’t win your case, you typically won’t owe any legal fees. This is the benefit of the contingency fee arrangement—it reduces financial risk for claimants who may already be struggling due to their disability.
• Fee Percentage: If you win, the lawyer will take a percentage of your award. For example, if you win a long-term disability claim and are awarded $100,000 in benefits, and the lawyer’s fee is 30%, you would owe the lawyer $30,000.

Are There Any Other Costs Involved?

While most long-term disability lawyers work on a contingency fee basis, there could be other costs involved in your case:

• Case Expenses: These are out-of-pocket costs that may arise during the course of your case, such as court filing fees, medical record requests, expert witness fees, or investigation costs. These expenses are typically separate from the lawyer's contingency fee and may be deducted from your settlement or award if your case is successful.
• Other Legal Fees: In some cases, particularly if your case goes to trial or requires a significant amount of work, the lawyer may charge additional fees or ask for a higher percentage of your award. Be sure to discuss these potential costs during your consultation so you have a clear understanding.

How to Choose the Right Long-Term Disability Lawyer

When considering hiring a lawyer, it’s important to assess the following:

• Experience and Track Record: A lawyer with experience in long-term disability cases and a good track record will likely be more successful in handling your claim. They will understand the complexities of long-term disability insurance policies and how to navigate the system effectively.
• Fee Structure Transparency: Make sure the lawyer explains their fee structure clearly. You should have no surprises regarding the cost of hiring them, and they should provide you with a written agreement outlining the fee percentage and any other costs.
• Comfort and Communication: Disability claims can be stressful, so it's important to work with a lawyer who communicates well and makes you feel comfortable. A good lawyer will be responsive to your concerns and keep you updated throughout the process.

What Are the Benefits of Hiring a Lawyer for Long-Term Disability Claims?

While it’s possible to file a long-term disability claim on your own, hiring a lawyer can increase your chances of success. Here’s how:

• Expert Guidance: A lawyer can guide you through the complex process of filing your claim, ensuring that all necessary documentation is submitted correctly and on time.
• Increased Chances of Approval: Lawyers who specialize in long-term disability claims are familiar with the legal requirements and can present your case in the best light to improve your chances of approval.
• Handling Appeals: If your claim is denied, a lawyer can assist you in appealing the decision and increasing your chances of success at each stage of the process.