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Long-Term Disability Attorney Arlington

Long-Term Disability Attorney Arlington

Nobody wants to think about becoming disabled, but the reality is that it can happen to anyone, old or young. This is why it is a good idea to have some sort of disability plan in place. And when you have a claim against that plan and it is denied, an Arlington long-term disability attorney may be able to help.

A long-term disability plan will pay a portion of your salary if you become disabled for an extended period of time due to an accident or illness. These plans are extremely helpful for replacing lost wages due to an inability to work. While you will not receive full pay, something—50-80% of your wages—is better than nothing.

In order to get your claim approved, however, you must prove that you are disabled. Believe it or not, this is a difficult task for many. You may know that you are truly disabled, but proving it is a different story. Each plan is different, and some require a higher level of disability than others.

Proving Your Disability

While your doctor is your ally in proving that you qualify for long-term disability benefits, doctors do not make the final decisions. This is done by the plan or Social Security.

To prove you are in fact disabled, it is best to first consult with the plan’s policy. Each plan defines disability differently. You may be considered disabled if you cannot perform the major duties of your current occupation.

Plus, some conditions are excluded. For example, a disability caused by substance abuse, mental health issues or a pre-existing condition likely would not be covered. In addition, many plans only cover full-time employees. Full-time may be defined as working 30 or 35 hours a week, but again, this varies and should be confirmed by the plan.

For Social Security to prove that you are disabled, they will gather information about your medical condition and how it limits your ability to perform work and other activities. They will also ask about your test results and treatments you have undergone.

To prove you are disabled, the administrator will want proof of your disability. While your doctor’s opinion will be taken into consideration, there also needs to be physical evidence, such as X-rays, MRIs, lab results, notes, surgical reports and anything else that can prove your case.

You will also need to follow your doctor’s treatment plan. If you fail to follow up with your doctor, the insurance company will assume that you are not that badly injured. As a result, your claim could be denied.

Contact an Arlington Long-Term Disability Lawyer

After suffering a life-changing disability, you have a lot on your mind. You are now living a new way of life and likely struggling to make ends meet. Getting the benefits you deserve should be a high priority, but it is not an easy task.

An Arlington long-term disability lawyer from the Law Offices of J. Price McNamara can help you with the approval process. We can prove your disability by working with your doctor, employer and others involved. Get the help you need by calling our office today and scheduling your free consultation.

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