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Long Term Disability Lawyers for West County Energy Center

Long Term Disability Lawyers for West County Energy Center

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.

West County Energy Center is Among the 39% of Large Employers that Offer Disability Benefits

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.

Why do I Need an Attorney to File a Long Term Disability Claim?

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.

Call a West County Energy Center Long Term Disability Attorney

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.

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