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Long-Term Disability Attorney Palo Verde

Long-Term Disability Attorney Palo Verde

Unlike disability claims made through the Social Security Administration (SSA), recovering the benefits offered under your employer’s benefits package must be made through their insurance company. There are certainly advantages to employer-provided long-term disability benefits over the benefits offered through the Social Security Administration. One benefit is that some long-term disability plans offered through private insurers do not max compensation out as low as the SSA does. Currently, the maximum monthly benefit through the SSA for one person without dependents is $1,220. However, there is also a downside to employer group plans. The claims process is riddled with hurdles, and employers can deny your benefits or take them away after two years for nearly any reason of their choosing. Only an experienced long-term disability lawyer can help.

The Employee Retirement Income Security Act of 1974

Employees are not required to provide pensions or disability benefits to their employees. These benefit packages are offered to retain skilled workers and in so doing, increase productivity and employer loyalty. Employers who do offer long-term disability benefits do so in return for the high level of work performed by their employees. Employees deserve some level of federal oversight when it comes to these important benefits.  Otherwise, employees and their insurance companies could run employees through a gauntlet of a claims process and still end up denying coverage for any reason of their choosing. The Employee Retirement Income Security Act (ERISA) is a federal program that oversees private employer-provided long-term disability. Unfortunately, ERISA has been corrupted in the decades since its creation by dozens of court decisions, and now works more for large employers and their insurance providers than it does for disabled employees.

Contact a Palo Verde Plant Long Term Disability Attorney Today

12.6% of Americans have a disability, according to the Pew Research Center, and millions of these people are totally physically disabled. This means that they are incapable of performing any type of job that provides a reasonable level of income. Thousands of American workers become disabled every day due to traumatic injury, overuse injuries, and illnesses. ERISA was meant, in part, to offer protection for these individuals. Now, employees who file for long-term disability are routinely turned away by employers and insurance companies that have successfully changed the fundamental way that ERISA works, and melded it to benefit themselves. This is why you need an experienced ERISA attorney who will fight for your benefits. Contact the law offices of J. Price McNamara today to set up a consultation with an ERISA lawyer specializing in Palo Verde nuclear power plant employees.

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