As many as one in eight Americans are living with a severe limitation that impairs their ability to work and earn a living. Whether it is a serious physical injury, loss of function, or a medical diagnosis, having a disabling condition can be frustrating. If you are the family breadwinner, it can be even more challenging to make ends meet. Fortunately, many U.S. employers offer their employees a long term disability insurance plan, which is designed to pay a share of the worker’s salary each month for a set amount of time. These disability payments can be the difference between getting through a difficult stage of life and facing financial ruin.
While a long term disability (long term disability) plan may be a great benefit, it is only useful if your claim is approved. Many employer-sponsored plans are notorious for denying the majority of applicants who attempt to use them, even when there is no good reason. In these situations, you need to fight back. There is too much at stake to accept a denial without at least speaking with an experienced Baton Rouge Long Term Disability Benefit Lawyer.
Long term disability benefits often come as a supplement to your employer’s health and short-term disability plans. If you must have surgery or undergo some other extended recovery from a medical condition or procedure, your physician may advise you that you need to take off a month or two. Your short-term disability benefits would normally cover this type of absence from work. Long term disability benefits are designed to kick in when the short-term benefits end, but only if your condition is one that is reasonably likely to prevent you from working for a longer period of time than what your short-term disability benefits can cover. If you have no short-term disability, most long term disability benefits will not start until you have already missed a week or two of work and once your doctor says you will need to be out of work for longer.
Long term disability benefits get denied for a host of reasons. Maybe you filled out a form wrong or your doctor did not understand the contractual standards that you must meet. In other cases, you may have applied too early or missed a deadline by filing too late. The tough part of a disability denial is knowing what to do next. After all, a denial is actually just the first step in getting your benefits – not the last.
At The Law Offices of J. Price McNamara, we can carefully craft a strategy to overcome many long term disability benefit denials, which will allow you to preserve your rights at each step in the appeals process. In some cases, we may even need to file a lawsuit against the insurance company in order to get the benefits you deserve.
Do not let your long term disability benefits denial end your chances of protecting your financial future. Call The Law Offices of J. Price McNamara.to speak with our Baton Rouge Long Term Disability Benefit Attorney. With offices throughout the country, we are prepared to help Americans fight for the long term disability benefits they deserve.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
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Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
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