Whether your company offers long-term disability insurance or whether you purchased a policy on your own, the very fact that you are insured should be enough to receive disability benefits for long-term conditions that interfere with your ability to work and go about your normal daily routine. Unfortunately, because insurance companies only make money when their customers remain strong and healthy – and because they lose money when a customer receives benefits – many insurance carriers will work hard to reduce a person’s benefits or even deny a claim altogether. And because so many individuals are focused on recovery and other financial issues, the insurance companies get away with such inconsiderate treatment.

If you suffer from a long-term disability and your insurance company has tried to reduce the amount of benefits you filed for, or they have denied your claim altogether, contact the Palo Alto long-term disability lawyers at Roberts Disability Law, P.C. We may be able to help you appeal the insurance company’s denial or negotiate a better settlement so that you can focus on recovery, and not on financial concerns.

Proving Your Disability with Help from Our Palo Alto Long-Term Disability Lawyers

 The most difficult aspect of filing a long-term disability claim is proving that you are, in fact, disabled and that your disability negatively affects your ability to work and live a comfortable life. This often requires a great deal of medical evidence and testimonies from medical professionals. Furthermore, you must prove that your particular disability meets your insurance policy’s definition of a long-term disability.

If you have not done so already, it may be wise to hold off on filing your LTD claim until you have consulted with our Palo Alto long-term disability attorneys. We can help you review your insurance policy and pinpoint precisely what qualifies for a long-term disability under your policy. 

For example, generally speaking, most insurance companies consider a person to be “totally disabled” if they are unable to perform the duties of their occupation due to an illness or injury and a person to be “partially disabled” if they can no longer work full-time at their current occupation—even if they are able to perform full-time work at another job. Establishing the difference between total and partial disability can be complex, but our team can help.

Whether you file for total disability or partial disability, you should not be receiving full-time wages from your employer. Otherwise, the insurance companies may deny your claim and say that you are able to work despite your injury or illness.

Consult with a Palo Alto Long-Term Disability Lawyer

At Roberts Disability Law, P.C., our Palo Alto long-term disability lawyers can help you gather compelling proof of your disability and present it to your insurance company so that you are not only approved but also receive the full benefits you need to recover in a comfortable and financially sound manner. To speak with a long-term disability lawyer regarding your case, contact our Palo Alto disability lawyers today.