Nationwide Representation For Your ERISA Long Term Disability Claim
Are you struggling to get the long-term disability benefits you deserve? As experts in the field of long-term disability insurance, we understand the complexities and challenges that individuals may face when dealing with an insurance company. We believe that everyone deserves access to the benefits they are entitled to, and that is why we are here to help you navigate the complex road to receiving disability insurance benefits.
Nick Ortiz, a Pensacola ERISA Disability Insurance Attorney who helps people nationwide, understands how frustrating it is to have to fight with a disability insurance company to obtain your rightful benefits, and offers a free consultation to people whose claims for long term disability benefits have been denied or terminated.
Call our office at (888) 321-8131 to schedule your consultation, or keep reading to learn more about why we handle long term disability claims, what long term disability attorneys do, when you should hire one, how to choose the right attorney for your needs, and how Ortiz Law Firm can help with your long term disability claim.
Why Ortiz Law Firm Handles Long Term Disability Claims
What You Need to Know About Long Term Disability:
What Is a Long Term Disability Attorney?
A long term disability attorney is a legal professional who specializes in helping clients navigate the complex process of applying for and receiving long-term disability benefits. These benefits are typically provided through employer-sponsored disability insurance plans or through individual disability insurance policies.
What Does a Long Term Disability Attorney Do?
A long term disability attorney can assist you in many ways, including:
- Evaluating your disability claim and helping you understand your rights and options.
- Helping you gather and organize the necessary medical and financial documentation to support your claim.
- Representing you in negotiations with the insurance company.
- Appealing a denied claim or pursuing legal action on your behalf.
- Providing guidance and support throughout the entire long term disability claim process.
When Should You Hire a Long Term Disability Attorney?
If you are struggling to get the long-term disability benefits you deserve, you should consider hiring a long term disability attorney. Some common situations where you might need an attorney include:
- Your long term disability claim has been denied or terminated.
- Your employer is disputing your claim for long term disability benefits.
- You have been receiving benefits but are now facing a review or termination of those benefits.
- You are unsure about your rights and options regarding long term disability benefits.
How Do You Choose the Right Long Term Disability Attorney?
Choosing the right long term disability attorney is an important decision. Here are some factors to consider when selecting an attorney:
- Experience: Look for an attorney with experience in handling long term disability claims with different disability insurance companies.
- Reputation: Research the attorney’s reputation and track record of success.
- Communication: Make sure the attorney is responsive and communicates clearly and effectively.
- Fees: Understand the attorney’s fee structure and make sure it is reasonable and transparent.
What Are the Benefits of Hiring a Long Term Disability Attorney?
There are many benefits to hiring a long term disability attorney, including:
- Advocacy: An attorney can serve as your advocate, ensuring that your rights are protected and your best interests are represented.
- Expertise: A long term disability attorney has specialized knowledge and expertise in disability law and can provide guidance and support throughout the entire claim process.
- Increased chances of approval: A long term disability attorney can help ensure that your appeal is properly supported and presented, increasing your chances of getting approved.
- Reduced stress: Dealing with a disability claim can be stressful and overwhelming. An attorney can handle the process for you, reducing your stress and allowing you to focus on your health and well-being.
How Much Does a Long Term Disability Attorney Cost?
The cost of a long term disability attorney can vary depending on several factors, including the complexity of your case and the attorney’s experience and fee structure. Some attorneys charge a flat fee or hourly rate, while others work on a contingency basis. A contingency fee means your attorney will only get paid if there is a recovery. It’s important to discuss fees with potential attorneys and ensure that you understand the fee structure before hiring.
How Long Will It Take to Get Long Term Disability Benefits?
The length of time it takes to get long term disability benefits can vary depending on several factors, including the complexity of your case and the responsiveness of the insurance company. It can take several months or even years to receive benefits, and it’s important to be patient and persistent throughout the process.
What Should You Expect During the Long Term Disability Application Process?
The long term disability application process can be complex and time-consuming. You can expect to:
- Gather and organize medical and financial documentation to support your claim.
- Submit your claim to your employer or insurance company.
- Wait for a decision on your claim, which can take several months or longer.
What Conditions Qualify for Long Term Disability?
There are a variety of different medical conditions that can qualify for LTD benefits. The top 5 reasons behind long term disability claims are:
- Muscle/Bone Disorders
- Accidents
- Mental Disorders
- Cancer
- Cardiovascular Disorders
What Should You Do If Your Long Term Disability Claim Is Denied?
If your long term disability claim is denied, it’s important to act quickly and seek legal assistance. An attorney can help you understand your rights and options and navigate the appeals process. It’s important to provide additional documentation or medical evidence to support your claim during the appeals process.
What Is the Difference Between a Long Term Disability Attorney and a Disability Advocate?
A long term disability attorney is a licensed legal professional who can provide legal advice and representation, while a disability advocate is a non-attorney who can provide assistance with the disability application process but cannot provide legal advice or represent you in court.
What Are Some Common Mistakes People Make When Applying for Long Term Disability Benefits?
Some of the common mistakes people make when filing a claim for disability benefits are:
- Failing to provide sufficient medical documentation to support their claim
- Missing deadlines for submitting paperwork or appealing a denied claim
- Not seeking legal assistance when necessary
- Underestimating the complexity of the application process
Learn more about the common mistakes that will destroy your long term disability claim with our free eBook, The Top Ten Mistakes That Will DESTROY Your Long Term Disability Claim.
What Are Some Common Challenges Faced by Long Term Disability Claimants?
Dealing with an insurance company can be a daunting task, and it is essential to understand the challenges that claimants may face. Some of the most common challenges include:
- Meeting the Definition of Disability: Insurance companies often have strict definitions of what constitutes a disability, which can make it challenging for claimants to qualify for benefits.
- Meeting Deadlines: There are often strict deadlines for filing claims and providing supporting documentation, which can be difficult for individuals who are dealing with a long-term illness or injury.
- Medical Evidence: Insurance companies require medical evidence to support a disability claim, and it can be challenging to gather all the necessary documentation.
If a claim is denied, it can be challenging to navigate the appeals process, which can be time-consuming and require additional documentation. Our team has a deep understanding of the criteria that insurers use to determine disability and can help you present a strong case. We are here to help you obtain the medical evidence needed to support your claim and to help you stay on track and ensure that all deadlines are met.
What Are Some Tips for Increasing Your Chances of Getting Approved for Long Term Disability Benefits?
Some tips for increasing the chances that your claim for disability benefits will be approved include:
- Provide thorough and accurate medical documentation to support your claim
- Be persistent and follow up regularly on your claim status
- Seek legal assistance when necessary
- Understand and follow the application requirements and deadlines
What Are Some Resources for Finding a Long Term Disability Attorney?
Some resources for finding a long term disability attorney include:
- Referrals from friends or family members
- State bar association referral services
- Online directories and reviews of attorneys
- Disability advocacy groups
Once you have narrowed down your search, be sure to read
How Can Ortiz Law Firm Help with My Claim?
Our team of experienced long-term disability insurance experts understands the challenges that claimants may face and can help guide you through the appeal process. We understand the appeals process and can help you navigate the complex requirements and deadlines. We have a proven track record of successfully appealing denied claims and helping our clients receive the benefits they are entitled to.
If your claim is denied, we will start by reviewing your policy and understanding the specific terms and conditions. We will work with you to gather all the necessary medical evidence, ensure that all deadlines are met, and represent you throughout the appeal process. If necessary, we will represent you against the insurance company in court.
At the end of the day, our goal is to help you receive the financial support you need to cover essential expenses and support your recovery. We represent claimants nationwide and are here to provide the guidance and support that you need to successfully navigate the long term disability claim process and receive the benefits you deserve.
Conclusion
Navigating the long term disability claim process can be overwhelming and stressful, especially if your claim is denied or terminated. Hiring a long term disability attorney can not only reduce your stress and anxiety, but can also increase the likelihood that your claim will be approved. When choosing an attorney, be sure to consider their experience, reputation, communication, and fee structure.
We are here to help you navigate the process and fight for your rights. Call us today to schedule a free case evaluation so we can discuss how the firm can help with your claim. Call our office at (888) 321-8131 or contact us online to get started.
FAQs
What Is the Difference Between Short Term and Long Term Disability?
Short term disability benefits typically last for a few weeks to a few months and are designed to provide temporary financial support to employees who are unable to work due to a covered illness or injury. Long term disability benefits, on the other hand, can last for several years or even for the rest of the employee’s life and are designed to provide ongoing financial support to employees who are unable to work due to a serious illness or injury.
What Are the Requirements for a Long Term Disability Insurance Claim?
Read our full explanation of the requirements for a long term disability insurance claim.
How Long Does It Take to Receive a Decision on a Long Term Disability Claim?
The length of time it takes to receive a decision on a long term disability claim can vary depending on several factors, including the complexity of the case and the responsiveness of the insurance company or Social Security Administration. It can take several months or even years to receive a decision on a claim.
Can I Apply for Long Term Disability Benefits If I Have a Pre-Existing Condition?
Yes, you can still apply for long term disability benefits if you have a pre-existing condition. However, it’s important to provide thorough and accurate medical documentation to support your claim and to be prepared for potential challenges from the insurance company.
What Should I Do If My Insurance Company Denies My Long Term Disability Claim?
If your insurance company denies your long term disability claim, it’s important to seek legal assistance from an experienced attorney. Your attorney will explain your rights and options after a denial. They can also represent you in negotiations or legal action against your insurance carrier, if necessary.
Do I Need an Attorney to Appeal a Denial of Long Term Disability Benefits?
While you are not required to hire an attorney to appeal the denial of your long term disability benefits, doing so can significantly increase your chances of getting approved and can help ensure that your rights are protected throughout the appeal process. If you intend to appeal on your own, we encourage you to review our free, step-by-step disability insurance appeal guide.