A disability can quickly prevent you from making a living. Long-term disability insurance can provide you with income for an extended period so that you can continue to help meet your family’s needs. Unfortunately, filing a claim for benefits is usually much more complicated than folks realize, and a single mistake on your application or when speaking to an insurance representative can derail your entire case.
What you need to know:
If your LTD claim is denied, you may not have the right to introduce new evidence on appeal.
Most policies require a claimant to apply for Social Security disability (SSDI) in addition to LTD benefits.
If you are approved for SSDI, your LTD benefits will likely be reduced.
ERISA is the federal law that governs most long-term insurance plans. The guidelines are updated frequently, so it's important to work with an attorney who stays up to date on the most recent guidelines.
What to do next:
Understand your benefits
If your policy is governed by ERISA, your insurer is required to provide you with a summary of your plan, which includes an outline of your benefits, how you get benefits and your protections under ERISA.
We can help you obtain this information and fully understand your rights and responsibilities.
Talk to your medical provider
Your insurer will require objective medical evidence of your condition and limitations. This may include diagnostic test results, imaging such as x-rays or MRIs, and your provider’s exam findings.
At each appointment with a healthcare provider, make sure you share specific information about your symptoms and the way your condition affects your activities at work and home.
How Joyce & Bary Law can help:
- Advise you on your LTD insurance benefits and filing requirements.
- Our attorneys will work directly on your case. We never outsource cases to other law firms or non-attorney representatives.
- Assist with your Social Security disability case, no matter where you are in the process.
- Communicate directly with your insurer, the Social Security Administration, and state agencies on your behalf.
- Handle the appeals process, if necessary, ensuring your rights under ERISA are protected at every step.
- After your claim is approved, we will ensure you receive the benefits to which you are entitled.