For the purpose of this article, we’re classifying government employees as anyone who works for a municipality, state, or the United States federal government. Another thing to clarify is that we’re talking about government employees with long-term disability insurance policies through a group plan or their employer. We are not talking about plans that were …
Long-Term Disability
Will My Social Security Disability Impact My Long-Term Disability?
Long term disability (LTD) and Social Security Disability (SSD) are two very different disability benefits. Long term disability insurance is a policy you buy (and/or your employer purchases) to help cover your expenses in the event you become disabled through injury or illness. The Social Security Disability benefits program is a government-funded program that you …
Will My Social Security Disability Impact My Long-Term Disability?Read More
How Much Does Long-Term Disability Pay?
If you become disabled during the time you are employed full-time, you may be eligible for disability benefits. How much you will earn will be dependent on your policy. Sometimes the wording in long-term disability policies can be lengthy and confusing. Here are some answers to frequently asked questions about long-term disability pay: How Much …
Can A Long-Term Disability Lawyer Speed Up A Claim?
Once you have applied for long-term disability benefits, the entire process can take up to two years or even longer. Some people get approved within weeks after their initial appeal; others take many more months or even years longer than the average. An attorney can “speed up” a long-term disability claim only with respect to …
Can A Long-Term Disability Lawyer Speed Up A Claim?Read More
Long-Term Disability Insurance Overview
Long-term disability insurance is offered to help support you as a wage replacement if you’re sick or injured and unable to work. Unfortunately, what should be a relatively straightforward claim process is anything but. Despite paying your premiums for months, years, or even decades, your insurance company may unfairly deny your claim, leaving you without the steady …
What To Do If Your Long-Term Disability Claim Has Been Denied
If your long-term disability claim has hit a roadblock with a denial, you’re not alone in your struggle. Many individuals find themselves in a similar situation, unsure of what to do next. However, by being proactive and informed, you can work towards overturning the denial and obtaining the financial support you need during this challenging …
What To Do If Your Long-Term Disability Claim Has Been DeniedRead More
What Are Technical Denials In Long-Term Disability Claims?
A technical denial of a disability claim occurs when you are denied based on a non-medical reason. If your claim has been denied for a technical reason, there is still time to seek an attorney specializing in long-term disability law. We have successfully represented claimants in disability cases across the United States.
What Are Technical Denials In Long-Term Disability Claims?Read More
What If I Missed My Long-Term Disability Appeal Deadline?
If you have applied for long-term disability benefits, you may experience a denial. When you receive notice from the insurance company that your claim has been denied, the clock starts ticking down for you to file an appeal. If you miss a deadline, you could forfeit your right to appeal the decision and not be …
What If I Missed My Long-Term Disability Appeal Deadline?Read More
How To Appeal Your Long-Term Disability Case To Federal Court
If you’re denied long-term disability insurance benefits by the insurance company, you may be eligible to appeal your long-term disability case to federal court. Litigation involves taking legal action or filing a lawsuit to protect your legal rights. Unlike an individual disability policy that is governed by state law, federal courts have jurisdiction over all ERISA long-term disability cases. Policyholders whose benefits have …
How To Appeal Your Long-Term Disability Case To Federal CourtRead More
How Long Does A Long-Term Disability Appeal Take?
Many of our clients think that a long-term disability appeal package is simply a compilation of medical records sent to the insurance company with a cover letter identifying the package as an appeal. While that may be the case for claimants who file their own appeals, the appeal packages prepared by Ortiz Law Firm are …