If you have questions about your long term disability (LTD) claim or appeal, contact a Cambridge disability lawyer today. Attorney Jonathan M. Feigenbaum, Esquire has extensive experience helping clients navigate the LTD process to make sure they get what they deserve. Call us today at (866) 396-9722.
Do You Have Long Term Disability?
Long term disability is a form of insurance that you may have purchased privately or through your employer. It provides coverage for a portion of your income if you become disabled due to illness, injury, or accident. Your disability must last for an extended period of time.
You can find out if you have LTD insurance by evaluating your policy. A Cambridge disability lawyer can help. You will need to review the language of your insurance document, which may contain complex legal information. It’s best to obtain the advice of an experienced attorney to help you determine if you’re eligible.
When Should You Apply for LTD Benefits?
You should make an initial claim for LTD benefits if you are unable to work due to disability caused by an illness, injury, or accident and you have waited the required number of weeks to qualify. The exact waiting period depends on your policy but may be anywhere from 10 weeks to 53 weeks, with 26 weeks being average.
You should apply as soon as you meet the required waiting period so that you can begin the process as quickly as possible. It can take a long time for your insurance company to process your claim, especially if they request additional information. A Cambridge disability lawyer can help you with the claims process to make sure you provide necessary information at the beginning.
The LTD Claims Process
After you apply for long term disability benefits, you will receive a response from your insurance company. They may:
- Approve your claim;
- Request additional information; or
- Deny your claim outright.
The claims process can take an extended period of time and you may need to correspond with the insurance company on multiple occasions. If you work with a Cambridge disability lawyer, we will take these steps for you. We will file the initial claim as well as handle any further correspondence with the insurance company.
How Can a Cambridge Disability Lawyer Help?
A Cambridge disability lawyer can help you throughout the LTD claims process. If your claim is approved, we can ensure that your insurance company continues paying you the appropriate amount of benefits. We will also protect your rights throughout the process. If the insurance company requests additional information, we can contact your medical providers and make sure they support your claim with necessary information. If your claim is denied, we will submit an appeal with additional information to help you obtain the benefits you deserve.
Settlement of Your LTD Claim
If you qualify for LTD benefits, you may receive a certain percentage of your income – usually 40 to 60 percent. The average person who qualifies for LTD benefits is on disability for around three years. This can amount to a large amount of money over time. You may choose to accept a settlement of benefits instead of receiving benefits over time. Depending on your condition and your age, a settlement of your LTD claim may be your best option. A Cambridge disability lawyer can evaluate your situation and help you understand if settlement is a good option for you.
Call a Cambridge Disability Lawyer Today
Insurance companies are always looking out for their bottom line. They want to save money, which may happen at your expense. If you have questions about a long term disability claim or need to submit an appeal, call our Cambridge disability lawyer today at (866) 396-9722.