About Long Term Disability
An injury can leave you disabled and unable to work. This makes paying bills difficult. There are a variety of insurance programs that provide support to injured or disabled employees. Long Term Disability programs can be helpful to obtain benefits, however it can be difficult. Insurance carriers initially deny many claims. Many deserving individuals then do not receive the benefits they are entitled to.
However, there is hope. The Michael Brady Lynch Firm are well-known complex litigation experts who can help even if your initial claim is denied.
About Long Term Disability
To understand Long Term Disability (LTD) benefits, it helps to know about the program. Many employers choose to offer their employees insurance programs that provide benefits if they suffer an injury or are unable to work. Unlike workers’ compensation programs, LTD provides benefits for individuals hurt outside of work. The plan offers individuals unable to work for extended periods of time a set percentage of their wages for a declared length of time. The employers choose who funds these programs. Most programs cover 50-70 percent of your salary for 5-10 years. However, some will be covered until the average retirement age of 65.
After working for the company for 90 to 180 days, an employee is eligible for LTD benefits. However, many file their initial claim without an attorney. Most of these claims are denied, but an individual can appeal within 90 days.
Filing a Long Term Disability Claim
Filing a claim for long term disability benefits is often a lengthy process that consists of many steps. While many individuals choose to file their initial claim without legal assistance, an improperly filed claim can result in instant denial; with the right guidance from a complex litigation attorney, you may better understand what is required of you and complete a more comprehensive application.
The process of applying for long term disability benefits can quickly become complicated and full of hurdles. Our staff offers detailed advice on every step in the claims process, including:
- Filing: Many people file a LTD claim without legal guidance. These claims can be very complicated. A complex litigation attorney can show you the proper methods to completing the claim.
- Appealing: Insurance denies a claim for a number of reasons. However, the denial is not the end of benefits. Our firm will help in the completion of the appeal process while addressing reasoning behind the denial.
- Litigating: Under the ERISA act, a federal court can review your case after appeals are denied. During this review, the judge will only be offered the information contained in your claim. There isn’t any testimony, therefore details are important.
Premier Complex Litigation Attorneys
The Michael Brady Lynch Firm has successfully represented thousands of consumers and recovered millions of dollars for their clients. Our team of attorneys has been recognized as some of the most experienced and successful in the country. Our award-winning staff is also sought after for our knowledge on complex litigation, scientific evidence development, negotiation strategies and trial tactics.
Most of all, our law office is resourceful and dedicated to pursuing any compensation you are due. Because of this, we have received a high degree of peer recognition and professional achievement, such as inclusion on numerous Plaintiff Steering Committees. We will take whatever legal measures are necessary when fighting for your rights to damages.
If you have been injured or are prevented from working due to a physical or mental disability, it is important that you understand the LTD benefits you are entitled to. Our staff takes great care to offer the personalized and informative advice you need to understand your specific plan and the process of obtaining your benefits. Our attorneys have represented many clients in the past with complex cases. We will work tirelessly to obtain results on your behalf.