When you suffer a disabling illness or injury that prevents you from working, you can turn to your employer-sponsored disability insurance for financial support. Obtaining benefits is never an easy process, however, so you want representation from a Texas disability lawyer at J. Price McNamara ERISA Insurance Claim Attorneys.
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When you need a law firm you can rely on without any drama or unnecessary stress, you want J. Price McNamara ERISA Insurance Claim Attorneys.
Long-term disability (LTD) coverage provides financial protection to individuals who cannot work for an extended period due to a qualifying disability. Unlike short-term disability, which typically covers a few months, LTD coverage provides income replacement for an extended duration, often until retirement age or until the individual can return to work.
Here’s a brief overview of long-term disability coverage. To find out how this complex insurance coverage applies to you, discuss your claim with our Texas disability attorneys.
Most LTD policies define disability in one of two ways: “own occupation” or “any occupation.”
Own occupation policies consider you disabled if you can’t perform the duties of your specific job. Any occupation policies consider you disabled if you can’t perform any job you are reasonably qualified for by training, education, or experience.
LTD policies often have an elimination or waiting period, typically from 30 to 180 days. During this period, you must be disabled before the coverage kicks in. The longer the elimination period, the lower the premium.
The benefit period defines how long you’ll receive disability payments. It can vary but often ranges from a few years to age 65 or even for life. The longer the benefit period, the higher the premium.
LTD policies typically replace a portion of your pre-disability income, such as 50 to 80 percent. The exact percentage varies based on the policy terms and can influence the premium.
Premiums for LTD coverage are usually paid on an ongoing basis, either by the individual or their employer. The cost can vary based on age, health, occupation, and coverage amount.
LTD policies often have a pre-existing condition exclusion period, during which they won’t cover disabilities related to conditions you had before the policy’s effective date. This period typically lasts for the first 12 months of coverage.
Some LTD policies offer rehabilitation and vocational assistance to help disabled individuals return to work or acquire new job skills.
Long-term disability coverage can be essential for financial security if you become disabled and cannot work for an extended period. You want a lawyer to carefully review policy terms, understand the definition of disability, and assess your specific needs to select the right coverage for your situation.
A disability attorney from J. Price McNamara ERISA Insurance Claim Attorneys can increase your chances of a successful claim.
Short-term disability (STD) coverage provides financial support to individuals who temporarily cannot work due to a qualifying disability or illness. This coverage and claim process is similar to LTD coverage in many ways. However, unlike long-term disability coverage, STD coverage offers benefits for a shorter duration, usually ranging from a few weeks to several months.
Many people with disabling conditions begin by seeking short-term disability benefits. When they realize their disability will continue for longer than STD policies will cover, they can file a claim and try to transition to long-term disability benefits.
The private disability insurance claims process involves providing substantial evidence to prove your disability and eligibility for benefits.
Some examples of evidence that many insurance companies require include:
An experienced Texas disability attorney from J. Price McNamara ERISA Insurance Claim Attorneys can collect the necessary evidence and protect your rights. We can also navigate appeals if the insurance company already denied your claim.
You must submit thorough, well-documented evidence for a successful private disability claim. Your attorney will follow the requirements outlined in your insurance policy and work closely with medical professionals and other experts to build a compelling case that demonstrates your disability and your eligibility for benefits.
The claim process can be further complicated by the Employee Retirement Income Security Act (ERISA), which governs employer-sponsored LTD plans. These laws can affect the timeline, standards of review, and legal remedies available to claimants.
To effectively fight your insurance company for LTD benefits, seek legal representation from an attorney experienced in ERISA disability claims. We can navigate the process, gather the necessary documentation, and protect your rights to disability benefits.
With the right legal representation, determination, and support, you can improve your chances of securing the benefits you deserve.
Even with the right evidence and legal support, you can receive a claim denial. Moreover, if you filed your initial claim without legal support, your insurance company will almost certainly deny your claim. Consult our Texas disability attorneys immediately if you receive a denial letter.
Understanding the common reasons for denials and how to address them can improve your chances of a successful claim.
Here are some common reasons for disability claim denials and steps you can take:
Our Texas disability attorneys can address a denied claim. Consult J. Price McNamara ERISA Insurance Claim Attorneys, and we can review your policy, guide you through the appeals process, and advocate for your rights.
If your disability claim gets denied, don’t give up. Many claimants successfully appeal denials with the right legal strategy and documentation. Seeking legal guidance can secure the benefits you deserve.
Working with a long-term disability attorney throughout the disability benefit claims process offers several significant advantages. Our attorneys focus on this complex area of law and understand the nuances, ensuring you follow the right legal procedures.
We have experience dealing with ERISA disability insurance companies and understand their tactics. We can level the playing field and avoid common pitfalls that may lead to claim denials.
We can assess the strength of your claim from the outset, helping you determine whether to pursue a claim. Our legal team also knows what evidence you need to support your claim, from medical records to vocational assessments. We can prepare and file a comprehensive case for the best chance of obtaining benefits. If the insurer denies your claim, our disability attorneys can guide you through the appeals, increasing your chances of a successful outcome.
Whether you are filing an initial disability claim or have received a denial, you want J. Price McNamara ERISA Insurance Claim Attorneys on your side. Working with our long-term disability attorneys streamlines the claims process, increases the likelihood of a successful outcome, and relieves much of the burden and stress associated with navigating the complex world of disability benefits.