ERISA Long Term Disability Lawyer in Boston Offers a Long Term Disability Insurance Factsheet
You need money to survive. What if you suffer from a debilitating condition that hinders you from maintaining meaningful and gainful employment? Long term disability insurance benefits replaces some of your income for an extended period of time when you are incapable of working or can only work part-time due to your disability. The claims process for long term disability benefits is tedious and complex. You need a seasoned ERISA long term disability lawyer in Boston who knows how to package your claim with supportive medical and vocational documentation to increase your chances of a successful claim.
What Is Long Term Disability Insurance?
Long term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event you are unable to work for an extended period of time due to an illness, injury or an accident. An ERISA long term disability lawyer in Boston caveats that LTD does not provide benefits for work-related accidents or injuries covered by workers’ compensation insurance.
What Can I Expect When Filing a LTD Claim?
As with any private company, the LTD insurance company’s ultimate goal is to make a profit. Thus, they want to find ways to deny your claim and can easily circumvent your legitimate claim if you do not provide enough supporting evidence of your disability. The following Long Term Disability Fact Sheet provides an overview of what needs to be done to improve your probability for successfully obtaining benefits.
An experienced ERISA long term disability lawyer in Boston emphasizes the importance of not only accurately and thoroughly completing the required documentation, but to also provide supporting evidence, such as:
- Complete medical records, including objective tests, treatment notes, physical examination results
- Diary of your symptoms and pain level
- Employment records
- Doctor’s narrative discussing your diagnosis, restrictions and limitations, treatment history, and prognosis
- Statements from co-workers, family, friends, and employer regarding your limitations
Seek an ERISA Long Term Disability Lawyer in Boston
For more information, consult a knowledgeable ERISA long term disability lawyer in Boston with Jonathan M. Feigenbaum, Esquire at 617.357.9700.