Obtaining a Complete Copy of Your Insurance Plan
The first thing that you should do – if you have not done so already – is to obtain a complete copy of your insurance plan from your human resources department. The plan language will precisely define the term “disability.” For example, in some instances, a particular plan might define disability as not being able to return to your specific job, while at other times, a disability might mean that you are not able to perform any kind of work, whatsoever. An experienced Texas disability lawyer can review the plan language with you and determine whether or not you have likely met (or can meet) the definition of a disability under your policy.What does it Mean to be “Totally Disabled”?
To recover benefits for long-term disability, you will likely need to be totally disabled. This means that you are not able – either because of a long-term injury or illness – to substantially perform your occupational duties. In some instances, the long-term disability insurance policy will provide for partial disability benefits. This may be true if your illness or injury precludes you from working at your job full time, but you can work at some other job on either a full time or a part-time basis. To prove that you are totally disabled, you will need to provide sufficient medical documentation. You will also likely need an impairment letter from a health care provider, stating not only that you are disabled, but the nature and extent of your limitations and impairments. An experienced disability lawyer in Texas can assist you with gathering this documentation and submitting it in a timely manner.Call a Texas Disability Lawyer Today
At J. Price McNamara ERISA Insurance Claim Attorney, our legal team can work to ensure that you have properly satisfied the definition of disability within the language of your insurance policy – and that you submit the necessary documentation. To schedule a free legal consultation and case evaluation with a Texas disability attorney, please contact us online today for more information.
J. Price McNamara
Attorney
Losing my own brother, then my father and sister after long, disabling illnesses just a few months apart drove a career change for me. Before that experience, I never truly understood the place you’re in. I never understood the dramatic impact that receiving (or not receiving) the disability and life insurance benefits you paid for and counted on can have on your life especially when you need to focus on family and healing. What I experienced with my own family now drives the way I view my clients and my work, and I will never forget it!
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