Throughout Memphis, TN and the entire Mississippi Delta region, American workers frequently become seriously injured, disabled, or otherwise unable to work. Long-term disabilities are not just something blue-collar workers experience. A long-term disability can be due to cancer, an environmental hazard, or even a completely unrelated accident, such as a car wreck or fall at home.
If you become seriously disabled to where you are not able to return to your job for an extended period of time, you may have a right to partial payment of your salary for up to a limited amount of time. This is an option available in many employers’ cafeteria plans, through a long-term disability (LTD) insurance policy.
To qualify for LTD benefits, you must show that you are unable to return to work in your present job. Some policies are more restrictive, so it is important to have an experienced disability lawyer review the policy terms to see if you qualify.
Perhaps one of the most common situations occurs when a physician lacks a thorough understanding of how a long-term disability plan defines disability. Many physicians and other health providers mistakenly may believe that the definition of disability in the plan is the same as the definition for other things, such as Social Security Disability, Veterans Disability or even a Workers’ Compensation claim. Each of these types of claims has a different statutory or regulatory guideline for what a person must prove to be compensated.
Quite simply, it is not the healthcare provider’s place to interpret the law or render opinions about contract provisions. Instead, a qualified occupational physician’s report should outline the medical condition in detail and provide specific comments about the tasks that would or would not be safe for the patient. It is then up to the patient and the disability insurance carrier to determine whether the medical evidence, the physician’s findings, and the objective tests and diagnostics support a claim approval. This is where a long-term disability lawyer in Memphis can help.
The Law Offices of J. Price McNamara can get to work gathering key evidence to help you support an appeal of your denial. This often also means putting you in touch with healthcare providers who understand the LTD plan requirements and who can explain in detail the limitations presented by your health condition. Once we have all the facts, we may be able to help you appeal your denial by:
Sadly, there are many people around the country who face serious health problems and may require an extended absence from work to heal, get surgery, or recover. At the Law Offices of J. Price McNamara, we make sure our clients understand their rights, and we fight insurance companies that unreasonably or render vexatious claim denials without good cause. Call us today to schedule a free case evaluation.
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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