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To level the playing field against a large insurer, it makes sense to hire a disability lawyer. If you've been injured or become ill and can't work, and your long-term disability (LTD) insurance company denies you benefits, it's in your best interests to get an attorney.

The attorney usually gets 25% to 40% of your settlement amount or monthly benefits. If you don't win your case, your attorney does not collect a fee. So for example, in a case where you win $30,000 in past-due benefits, your attorney might charge anywhere from $7,500 to $12,000.

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Long-term disability lawyers work on a contingency basis; you don't pay if you don't win. The attorney usually gets 25% to 40% of your settlement amount or monthly benefits. If you don't win your case, your attorney does not collect a fee.

While you don't technically need an attorney to represent you during the application process, hiring one can improve your chances of a successful claim. Statistics have shown that the Social Security Administration (SSA) is more likely to approve someone who is represented by an attorney.

While you don't technically need an attorney to represent you during the application process, hiring one can improve your chances of a successful claim. Statistics have shown that the Social Security Administration (SSA) is more likely to approve someone who is represented by an attorney.