People who acquire long-term disability policies naturally expect the insurance company to pay benefits should they become disabled. Unfortunately, this is not always the case. If your long-term disability claim has been wrongfully denied or delayed, contact Malloy Law Offices, LLC today. Our lawyers can effectively help you pursue the benefits you are entitled to receive.
Long-term disability is a private insurance plan designed to protect individuals who become disabled from financial loss due to their inability to work. This type of policy allows people who qualify to continue collecting income for an extended period of time when they cannot work because of a disability.
Consult your long-term disability policy for a precise definition of “disability.” Generally, you are totally disabled if you are unable to perform your job duties because of illness or a serious injury, such as a spinal injury or brain injury. If your long-term disability policy provides for partial disability, you may qualify for benefits if your illness or injury has made you incapable of working full-time at your current occupation, even if you are able to work part-time or full-time at another job. Most policies require you to be a full-time employee at the time you become disabled, which is generally defined as working at least 30 to 35 hours a week.
Long-term disability policies have an elimination period – from when your disability occurs to when you can begin receiving benefits. Waiting periods may be three or six months and often last as long as a short-term disability policy. You will likely be required to use up all your sick leave before filing for short-term disability and exhaust your short-term disability benefits before filing for a claim.
If your insurer denies your claim or uses unfair tactics, it is in your best interests to consult with an experienced disability lawyer. In many cases, administrative appeals are available to disabled people, which may be skillfully used to get your claim approved. In other cases, litigation may be necessary to pursue the benefits you deserve.
Our long-term lawyers at Malloy Law Offices, LLC are dedicated to helping you obtain the benefits you are entitled to receive. Call us at (888) 291-6445 as soon as possible for skillful representation in your claim.