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LONG-TERM DISABILITY LAWYERS
For those who have this coverage through their employer, it is essential to contact an experienced long term disability lawyer as soon as possible after becoming disabled. The process and paperwork are extremely complicated, and one mistake or missed deadline could result in denial of benefits. Don’t wait until after benefits have been denied, contact an experienced Martin Law long term disability lawyer right away.
Understanding Long-Term Disability
Long-term disability insurance coverage pays a disabled individual a percentage of their pre-disability income and provides financial help to meet daily living expenses. It may be offered to employees by their employer, or purchased separately by the employee. It provides coverage when the employee is disabled and as a result, is unable to work.
The Difference Is In The Policy Details
With long-term disability coverage, the insurance policy will dictate what happens with the insurance claim. Every plan and policy is different. Employees should obtain a copy of their long-term disability group insurance plan or individual policy. It will provide key information about the scope of coverage and the timelines for benefits.
CONTACT US
At Martin Law, we help clients with their long-term disability insurance claims. We pride ourselves in assisting people of all different occupations, including doctors, lawyers, teachers, engineers, construction workers, and more. Our team is dedicated to providing comprehensive legal support for individuals facing long-term disability challenges. We understand the unique needs of professionals in various fields and are committed to ensuring that each client receives the personalized attention they deserve. Whether you’re struggling with an illness, injury, or medical condition that impacts your ability to work, we are here to guide you through the complexities of long-term disability claims and help you secure the benefits you need to move forward with confidence. Your well-being and financial security are our top priorities.
To discuss your disability with a long-term disability attorney,
contact our law firm online for a FREE initial consultation.
Questions About Long-Term Disability?
Our attorneys provide answers regarding long-term disability such as how it works, doctors, the long-term disability appeals process and long-term disability (LTD) litigation.
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Contact our ERISA claim lawyers in Pennsylvania to discuss your long-term disability claim.
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Frequently Asked Questions About Long-Term Disability (LTD) in Pennsylvania
1. What is long-term disability (LTD) insurance?
Long-term disability (LTD) insurance provides income replacement if you are unable to work due to a serious illness, injury, or medical condition. It helps cover lost wages for an extended period, often until you can return to work or reach retirement age, depending on your policy.
2. Who qualifies for LTD benefits in Pennsylvania?
Eligibility for LTD benefits depends on the terms of your policy. Generally, you must prove that you have a medical condition preventing you from performing your own occupation, and at a certain point you often must prove that you cannot perform any occupation in order to have your benefits continued. “Own Occupation” and “Any Occupation” can have varying, depending on the policy.
3. How do I apply for long-term disability benefits in PA?
To apply for LTD benefits, you typically need to:
- Complete an application form from your insurance provider
- Provide documentation proving your disability
- Have an employer statement submitted confirming your job duties and limitations
- Follow any additional requirements outlined in your policy
4. How long do I have to wait before receiving LTD benefits?
Most LTD policies have an elimination period, typically between 90 to 180 days, during which you must be continuously disabled before benefits begin. During this waiting period, you may need to rely on short-term disability benefits, sick leave, or personal savings.
5. Can my LTD claim be denied?
Yes, insurance companies frequently deny LTD claims for reasons such as:
- Insufficient medical evidence
- Failure to meet the policy’s definition of disability
- Missed deadlines or incomplete paperwork
- Disputes over pre-existing conditions
If your claim is denied, you have the right to appeal. Consulting an experienced long-term disability attorney can help strengthen your case.
6. What should I do if my LTD claim is denied?
If your LTD claim is denied, you should seek legal counsel who can:
- Review the denial letter carefully to understand the reason
- Gather additional medical and vocational evidence
- File an appeal within the timeframe specified in your policy
7. Can I receive LTD benefits and Social Security Disability Insurance (SSDI) at the same time?
Yes, you can typically receive both LTD and SSDI benefits, but your LTD insurer may reduce your payments by the amount you receive from SSDI. Some LTD policies require you to apply for SSDI as part of the claims process.
8. Does LTD insurance cover mental health conditions?
Many LTD policies do cover mental health conditions such as depression, anxiety, and PTSD. However, some policies impose limitations, such as a 24-month cap on benefits for mental health-related claims.
9. How long do LTD benefits last?
The duration of LTD benefits depends on your policy. Some provide benefits for a specific number of years, while others continue until you reach retirement age if you remain disabled.
11. Do I need an attorney to file an LTD claim?
While you are not required to have an attorney, working with a lawyer can improve your chances of approval, especially if your claim is denied or if you anticipate challenges in proving your disability.
If you need assistance with your long-term disability claim in Pennsylvania, our experienced attorneys are here to help. Contact us today for a consultation.