When you worked, you paid for Long-Term Disability benefits, but now that you can’t work, you’re having a hard time getting the benefits you deserve.
Sadly, this is an all-too-common experience. You might be worried about having to borrow money from your retirement to make ends meet without your LTD benefits.
If you can’t work because of a medical issue — whether physical or mental — let the attorneys at Robertson Wendt Disability — Finkel Law Firm LLC help with your Long-Term Disability case.
If you can’t work due to a disabling condition and have an LTD policy or plan you purchased or one you received through your employer, you can apply for Long-Term Disability benefits. But just keep in mind that you’ll be dealing with an insurance company and they’ll try to make sure you get none or very little of what you actually deserve.
The LTD benefits you’re entitled to depend entirely on your policy or plan so make sure you review it carefully before you apply. When applying, it’s very important you have all of your evidence gathered and ready to submit. Once you submit your appeal and evidence, you cannot add evidence at a later date if you’re denied.
Depending on your individual policy or plan and certain factors in your case, our attorneys may be able to help with your application. Give us a call to discuss your long-term disability benefits and we’ll go over all your options.
Don’t give up! If you were denied and ERISA applies, you have 180 days to appeal. But, even if you do appeal, the insurance companies may try to stall the process so it takes you longer to get benefits. However, success is still possible. Don’t feel like your life plan is shattered, let our LTD benefits attorneys help you get your life back on track.
Before you talk to the insurance company, talk with Robertson Wendt Disability — Finkel Law Firm LLC. And never file your appeal on your own. We’ll review your policy or plan so we can give you all your options and help you get the benefits you paid for. Contact us now to get started with a free telephone consultation.
FREE CONSULTATIONYou’ve been awarded long-term disability benefits, only to find them terminated after two years. The reason for this termination is that the legal standard for disability moves from “own occupation” to “any occupation” — meaning if you can work at all, your benefits might be at risk.
If your long-term disability benefits were terminated before you can work, let attorneys help with your appeal. Don’t try to win your appeal on your own. The laws are complex, but our team of attorneys is here to help. Call us now for a free telephone consultation if your benefits were terminated.
If ERISA applies, you have 180 days to appeal if your LTD benefits are terminated. But don’t file your appeal on your own! Call us immediately if you’ve received a letter denying your benefits, terminating your benefits or even threatening to terminate your benefits.
