Long Term Disability Claims

Long Term Disability Claims  

No one hopes or prays for a long-term illness or debilitating injury. But bad things happen to good and bad people alike. So, when you insure yourself against long-term disability, you’re actually preparing for the worst, as everyone should. However, many insurance companies have made the process of claiming long-term disability benefits arduous. The complicated nature of such claims doesn’t help matters either. Many claimants do not know what constitutes a long-term disability and the coverage they are eligible for. Insurance companies tend to take advantage of this and hold back on honoring their legal obligation to assist you in your time of need. Our experienced personal injury lawyers are ready to come to your rescue and help you fight for what’s yours.  


What are long-term disability benefits?

Long-term disability benefits insure individuals against an inability to earn an income due to a long-term illness or disability. Though the income may not be as much as what the individual would receive while in the workforce, the benefit can go a long way to ease the suffering of people with sudden disabilities or chronic debilitating conditions.  


Who pays the benefits?

Various parties may be responsible for paying long-term disability benefits. If you have an active long-term disability coverage with an insurance company at the time you became disabled, the company is obligated to pay you long-term disability benefits. In other cases, some companies may have a disability coverage as part of their benefits and the burden of paying the benefits fall on the company or their insurers. You’ll need to review your employment contract and insurance policy to know who should be responsible for paying your benefits.  


What kind of disability does the policy cover?  

Often, specific types of disabilities are not stated under policy contracts. The long-term disability may be speech defects, long-term illnesses or ambulatory issues. Generally, companies pay the coverage based on the impact the disability has on an individual’s lifestyle. Your insurance policy would tell you about the severity of the disability that could warrant a long-term disability claim.


How long do I have to wait before I can file my claim?  

It is important to file your claim as soon as your disability or long-term illness sets in. if you take too long, you may become ineligible for the benefits. Asides that, fighting for your claim becomes harder when there is a long interval between the disability and the filing of the claim.  

What if my claim is denied?

An individual should be entitled to benefits that may range from 50 to 80% of their normal earnings. However, insurance companies aren’t exactly forthcoming when it comes to awarding these claims. In the event that your legitimate long-term disability claim is denied, do not hesitate to contact personal injury lawyers that can take up your case. Our personal injury lawyers specialize in such denied claims and we have an impressive track record to our credit.