If you have a disabling condition that severely restricts your ability to work or perform your current duties, speak to a Malden disability lawyer who can educate you on your long term disability (LTD) claim or appeal. With extensive experience assisting clients navigate the claims or appeals process, Jonathan M. Feigenbaum can help you obtain what you deserve.
Long Term Disability Insurance
You may have purchased a private long term disability insurance or obtained LTD insurance through your employer. If you become disabled for an extended period of time due to illness or injury, LTD insurance provides coverage for a part of your income. You can determine whether you have LTD insurance by reviewing your policy. A knowledgeable Malden disability lawyer can examine your insurance documents, which often contain complex legal language, to determine whether you have LTD insurance and whether you qualify for LTD benefits.
Applying For LTD Benefits
You should immediately initiate your claim for LTD benefits if you have a disability that prevents you for working and was caused by an injury or illness, and you waited your LTD policy’s required number of weeks. The waiting period depends on your policy, but is usually between 10 to 53 weeks, averaging about 26 weeks.
Apply as soon as possible because it could take a while for your claim to be processed, or delayed if the insurance company requests additional information. It could take even longer if your initial claim was denied and you must then go through the appeal process. Our seasoned Malden disability lawyer can help you throughout the claims process, thus ensuring you provide all supporting evidence at the beginning.
LTD Claims Process
After submitting your claims package, which should include both the claims application form and all supporting documents, you will receive your LTD insurance company’s response. They may do one of the following:
- Approve your claim for LTD benefits;
- Request for more information; or,
- Deny your claim.
The claims process may be lengthy, requiring multiple communications with the insurance company. Our experienced Malden disability lawyer can help you through every stage of the process. We will compile your claims package, as well as handle any and all further correspondence with your LTD insurance company.
How Jonathan M. Feigenbaum Can Help
The LTD claims process can be frustrating and overwhelming. But with the help of our qualified Malden disability lawyer, we can smooth the process for you by:
- Obtaining your medical and employment records;
- Gathering statements from your co-workers, friends and family attesting to your limitations and restrictions;
- Contacting your doctor to obtain a narrative discussing your diagnosis, treatment history, limitations and restrictions, and prognosis;
- Compiling your pay stubs; and,
- Filing your LTD claim.
If the LTD insurance company requests for more information, we will gather and then supplement your claim package with the requested documents. If your claim is denied, we will subsequently submit an appeal with additional supporting evidence to help you obtain the outcome your deserve.
Settling Your LTD Claim
If your claim for LTD benefits is approved, you may receive a percentage, usually 40 to 60 percent, of your income. Depending on the terms of the LTD policy, successful applicants generally receive benefits over a three years period. You could, however, opt to settle your LTD claim and receive a lump sum. Depending on your age, condition and prognosis, settling for a lump sum may be more beneficial. A Malden disability lawyer can assess your circumstances and help you understand whether settling or receiving payments over time is a better option for you.
Contact a Malden Disability Lawyer Today
Call skilled Malden disability lawyer Jonathan M. Feigenbaum, Esquire at 866-876-4856 for more information or for help with submitting a LTD claim or appeal.