Learn everything you need to know with this helpful Long Term Disability fact sheet from our experienced lawyers.
Long term disability insurance (LTD) protects you from loss of income in the event that you are unable to work due to illness, injury, or accident for extended period of time.
Insurance companies want to deny your claimEven though your insurance company may act friendly, sometimes the company’s goal is to find a reason to deny your claim. Jonathan Feigenbaum works tirelessly to help you receive what you are legally entitled to receive. Our mission is to assist you with filing a strong claim backed by medical evidence and vocational proof to increase the chances that your claim will be approved. We understand why claims are denied, and we know how to move them forward to approval.
It’s important to avoid claim filing pitfallsWe understand the intricacies and potential pitfalls when filing for long term disability benefits. We help make certain that you follow all the required steps to increase the probability that your claim will be paid. Jonathan M. Feigenbaum has recovered millions of dollars for clients.
Filing Correct documents increase probability of winning your claimRegardless of whether you are applying for benefits under an ERISA LTD plan or filing another type of claim for disability insurance benefits, there are several important documents that you must carefully fill out. We explain the documents & help you complete them with as much detail as possible to increase the likelihood that your claim will be paid.
The Success of your claim hinges on proper doctor evidenceA successful claim often depends on your doctor using specific language in describing your work “restrictions” and “limitations”. We help you assemble documentary evidence validating your disability. Proper documents include those from your doctor, family, co-workers and others that provide the necessary facts to increase the odds of your claim being approved.
Gathering solid evidence to support your claimWhen your insurance company reviews a detailed application supported with solid evidence proving your disability, the insurer is more likely to approve your claim. We guide you through the process and help you file a compelling claim. Our law firm’s goal is the same as yours – prompt payment of your claim.
A Claim Evaluation Before Your Claim Is Submitted Improves Your Chances of WinningMr. Feigenbaum will examine your claim and help you make it more persuasive. To talk with a lawyer you can trust about your insurance or employee benefits claim or appealing or pursuing litigation in court, contact us at erisaattorneys.com, or call at 617-357-9700 or toll-free at 866-396-9722. Your initial consultation is free.
ERISA Long Term Disability Lawyer Offers a Long Term Disability Insurance FactsheetYou 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