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If you sustained an injury that prevents you from working, you may be entitled to receive long term disability. This long term disability coverage is insurance benefits to supplement your income. Long term disability insurance provides relief to its recipients by providing compensation to make up for an injured employee’s inability to continue to work and earn a living.
Understanding long term disability insurance is essential to making sure you get all the benefits you are entitled to receive as the result of your disability.
The amount of money an individual is entitled to receive from long term disability insurance will depend on the terms of the policy itself. Typically, payouts are determined based on a percentage of the person’s pre-disability salary. Average percentages range from between 50 and 80 percent.
Compensation in excess of an employee’s base salary such as bonuses commissions or overtime may also be factored into this calculation. An attorney can help employees considering filing claims.
Unlike short-term disability which only applies for a limited period of a few months, long term disability provides payouts for a much longer duration. Similar to the amount that will be paid out by the policy, the duration of the payouts will also be dictated by the terms of the policy. Many policies end when the insured reaches the age of 65. Alternatively, policies may last for a certain number of years.
The nature of an individual’s disability, as well as the age at which they become disabled, may also be relevant factors in establishing how long benefits will be paid out. Furthermore, coverage for disabilities related to mental illness is usually more limited than other types of physical disabilities.
To be covered under a long term disability insurance policy, an individual must be able to establish that they are disabled as defined by the policy. Medical bills and reports from physicians are common forms of evidence used to establish a disability.
Certain types of disabilities such as pre-existing conditions are often excluded from long term disability coverage. Additionally, even if a certain type of disability would otherwise be covered, many policies impose limits on coverage based on how an injury was incurred. Finally, coverage may be denied if there is insufficient evidence to support a disability or that a person is not able to continue to work.
Accidents can happen to anyone. Just because you do not work in a dangerous profession does not mean that you will not have coverage under a long term disability insurance policy.
Insurance companies are often resistant to approving claims simply because the less money they must pay out, the more money they stand to make. Do not let your claim be denied based on a technicality.
If you have questions about your insurance policy or would like to speak with an attorney about long term disability insurance, please call. An attorney can be an important resource in understanding long term disability insurance.
I want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of his sound advice such as showing the insurance company proof of how my illness/disability had
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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