For individuals in San Jose needing to make a claim or appeal for long term disability benefits, the process can be daunting and overwhelming. Dealing with insurance forms, medical records, and deadlines can add stress and discomfort on top of the challenges of being disabled. However, it is possible to navigate this process with the help of a qualified and experienced San Jose long term disability lawyer. In this blog post, we will explore what is long term disability, the long term disability claim process, and how a San Jose long term disability lawyer can help.

What is Long Term Disability?

Long term disability, also known as LTD, refers to insurance or benefits that provide financial support for an extended period to individuals who are unable to work due to an injury or illness. LTD policies vary widely in terms of coverage, duration, and eligibility requirements. Some are employer-sponsored or provided as a benefit of union membership, while others are available for individual purchase. Depending on the policy, an individual may need to meet specific criteria related to the length of time since the onset of the condition, the type of impairment, and the duration of the policy to qualify for benefits.

The Long Term Disability Claim Process

The process of making a long term disability claim can be a complex and time-consuming one. The claimant must fill out an application, which typically involves providing extensive medical records and other documentation of their disability, as well as meeting various deadlines. After reviewing the application, the insurance company may request additional information or send the claim to an independent medical examiner for review. If the claim is approved, the individual will begin receiving monthly payments that can continue for several years or even until retirement age. However, if the claim is denied or terminated, the claimant has the right to appeal the decision.

How a San Jose Long Term Disability Lawyer Can Help

A San Jose long term disability lawyer can be a valuable asset throughout the long term disability claim process. First, they can provide an initial consultation to discuss the details of the individual’s case and determine if they are eligible for benefits. If the individual has already applied for benefits and has either been denied or terminated, a lawyer can help with the appeals process by gathering additional evidence, drafting legal arguments, and representing the individual during hearings or in court. Having a knowledgeable and experienced lawyer can make a significant difference in the likelihood of success during the appeals process and can help to alleviate the stress and anxiety that may come with dealing with the insurance company.

Contact a San Jose Long Term Disability Lawyer

Dealing with long term disability is difficult enough on its own, without the added stress of making a claim or appeal for financial support. That is why working with a San Jose long term disability lawyer can be invaluable. These professionals understand the nuances of the insurance policies and the legal system and can provide guidance and support throughout the process. If you or a loved one is in San Jose and struggling to make a long term disability claim, don’t hesitate to reach out to Roberts Disability Law for help.