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Long Term Disability Lawyers for South Texas Nuclear

Long Term Disability Lawyers for South Texas Nuclear

There is not much of a safety net when it comes to being seriously disabled here in the United States. While there are programs in place, such as Social Security, food stamps, Medicaid, and affordable housing, none of these will enable a person who has had a good job to live the same type of lifestyle that they have grown accustomed to. Employer-sponsored long term disability benefits is another financial tool that disabled individuals should consider pursuing, though it can be extremely difficult to procure benefits without the help of a lawyer.

What Benefits Will I Receive?

Roughly one-third of U.S. workers have some form of long term disability coverage through their employer, according to the Bureau of Labor Statistics. The amount of money that you get per month depends on your salary, your injuries, your employer’s insurance policy, and more. Long term disability benefits typically cover between 40 and 60% of an employee’s salary, and last until one of the following occurs:

  • The disability goes away;
  • The recipient dies;
  • The recipient reaches retirement age; or
  • The policy is set for a certain number of years, which has been met.

Claims are routinely denied for various reasons, including lack of medical evidence, contradictory evidence of the disability, improper paperwork, missed deadlines, and other reasons. In fact, it is to the insurance company’s benefit that your claim gets denied, so any little mistake can lead to a denial. Even clear cut cases and evidence of a disability are often denied.

What are My Other Options?

Now that the downside of employer-sponsored long term disability benefits are better understood, are there other options? If your claim was denied, or it seems like filing a claim is too much of a losing battle to initiate in the first place, maybe there is another route? Unfortunately, there are not a lot of other alternatives:

  • Social Security Administration Disability: It can take a long time to be approved, the criteria of “disabled” is very strict, and it only pays out little under $2,000 a month at maximum in most cases; and
  • Workers’ Compensation: It only covers injuries and illnesses that were caused during work, or were caused as a result of your work; and
  • Private Disability Coverage: It can be expensive to purchase your own disability insurance through a private company, and most people do not go this route and are therefore not covered when they do get injured or become ill. If you did not purchase it before your disability, it is too late now.

A South Texas Disability Lawyer can Help

An attorney can help you succeed in filing a claim for the benefits that you deserve, or by appealing a denied claim. Do not hesitate to contact the South Texas Nuclear long term disability attorneys with J. Price McNamara today.

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