Imagine that your life is going along as usual and, all of a sudden, you suffer a debilitating injury or illness. Suddenly, you cannot work for some time – if ever again – and you don’t know how you will cover your bills and support yourself and your household.
Fortunately, you have long-term disability coverage through your employer, which should provide financial support while you have a disability. At least, this is what you should expect, but it doesn’t always happen this easily. Many insurance companies deny long-term disability claims for one reason or another, leading disabled claimants to appeal and feel unnecessary stress over whether they will receive benefits.
If this has happened to you, the Oakland long-term disability attorneys at Roberts Disability Law, P.C., may be able to assist with your appeal. We also help with initial claims to increase your chances of success the first time around.
LTD is private insurance that provides replacement income if you are disabled and cannot work because of an accident or illness.
Most people assume that LTD is only available if you suffer an injury at work. However, it is different from workers’ compensation, and LTD should cover you if you have any long-term disability from an illness or injury, no matter whether it was work-related or not.
Some conditions that might qualify for LTD benefits include:
Even if you have a qualifying disability, you need to file a complete and accurate claim for the best chance of approval. You need to present substantial evidence of your disability and inability to work to the insurance company. Our law firm regularly assists in preparing and filing long-term disability claims for clients.
It is in the best interest of the disability insurance provider to prove you do not qualify for LTD benefits, and in some cases, the insurance company will deny your claim. That’s when you need a long-term disability lawyer in Oakland to help you.
Many LTD policies fall under ERISA, as many policies are employer-sponsored. Even though ERISA is meant to protect employees, in reality, it can make the claim and appeal process much more complicated. We know the procedures you need to follow and the evidence you need to present to obtain long-term disability benefits if you are eligible. We can take the stress of this process off your shoulders.
Do you have a disabling condition that prevents you from working and you need to file a claim for LTD benefits? Has your insurer already denied you long-term disability? Roberts Disability Law, P.C. is proud to fight for the rights of Oaklanders with a disability claim. Please contact one of our disability attorneys today for assistance.
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