Life is hard enough when you are living paycheck to paycheck. Imagine the stress you will face when you can not receive a paycheck because you were injured and are now unable to work for a long time.
This is a situation many Americans face. Anyone of any age can become disabled. Of today’s 20-year-olds, 25% will become disabled before they retire. A car crash or other serious accident can change someone’s life in an instant. You may be fine one moment and unable to move moments later.
The good news is that many people have long-term disability policies to cover them in such cases. Perhaps you have one through your employer or you bought one on your own.
The bad news is that insurance companies often fail to pay up. They do so for no good reason. Even if your claim is valid, you could still face a denial. Many long-term disability plans are employer plans, which means they are governed under the Employee Retirement Income Security Act (ERISA). This means that each plan must establish a claims processing procedure. Also, if a claim has been denied, plans are required to provide reasoning for the denial to the participant.
Appealing a denied claim can be a complex and confusing process. Many people simply give up. Without income, they lose their home and face bankruptcy.
Others seek legal help. A long-term disability lawyer can help you with your claim and fight the insurance company so you get the benefits you desperately need during this time.
In a nutshell, disability insurance pays you a portion of your salary while you are disabled and unable to work. Short-term disability will cover you for three to six months. After that time, long-term disability will take effect. You will receive payments based on a percentage of your salary—typically 50-60%. You will get paid until you return to work or for a certain period of time, based on the guidelines set forth in your policy. In some cases, you may receive payments until you are 65 years old.
Your insurer will work with your employer to get you back to work quickly since the insurer saves money when you get better and return to work. If you can return to work, but only partially, the insurer will determine whether or not to continue paying your benefits. It will depend on the type of work you can do and the wages involved.
Anyone can suffer a disability at any time. Even the young and healthy are prone to injuries that can last many months or even years.
A disability can lead to a variety of damages, such as lost wages, loss of enjoyment of life and medical bills. Make sure you receive the benefits you deserve through your company’s plan. A Dallas long-term disability lawyer from the Law Offices of J. Price McNamara can help you with your claim. We understand how complex the process can be. Schedule a free consultation by contacting our office today.
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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.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
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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