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Baton Rouge Long Term Disability Benefit Lawyers

Baton Rouge Long Term Disability Benefit Lawyers

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.

When Should You Use a Long Term Disability Insurance Plan?

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.

Why are long term disability Benefits Denied?

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.

Getting Help From Experienced Attorneys

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 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.

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