Coming down with a life-changing illness or injury is something that most workers rarely take the time to think about when they are healthy. After all, who would want to spend time with such dark thoughts? Yet, 13.6% of Floridians have a disability, according to Statista. Unfortunately, for sick or injured workers who become disabled and do not qualify for workers’ compensation, there are not a lot of good options when it comes time to seek financial assistance. The Social Security Administration has strict guidelines on what it means to be disabled, and the maximum monthly payment is very small. Private employer-sponsored disability policies pay out more, and the qualifications for disability are generally lower than the Social Security Administration’s standards—workers may be considered disabled under a private policy if they can no longer perform their jobs, whereas the Social Security Administration’s standards for disabled mean that the individual is incapable of doing pretty much any job at all.
In 2004, the Bureau of Labor Statistics (BLS) reported that among medium and large private employers, just 39% offered long-term disability benefits, and just 30% of workers believed that it was a good enough deal to take them up on it. If you are covered under a long-term disability policy, fortunately, you have the option to pursue benefits that most workers do not have.
Disability insurance works like any other type of insurance. The premium goes up the more claims get approved. For instance, an employer who only had a few disability claims every decade would have a lower premium than an employer whose employees filed disability claims all the time. As such, it is in your employer’s best interest that claims are not approved. And, it is in your employer’s insurance company’s best financial interest to deny as many claims as possible, so that they do not have to pay out. Large employers and insurance companies have shaped the federal act that governs employer-sponsored long term disability to work for them, not for you. An attorney can help even the odds.
Do not go without legal help when it comes to such an important decision in your life. Let an experienced attorney help you compile medical evidence, file your claim, and appeal denied long-term disability claims. Contact the West County Energy Center lawyers with the Law Offices of J. Price McNamara today to discuss your options.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
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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