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LAWYERS FOR YOUR LONG
TERM DISABILITY INSURANCE NEEDS

We are an experienced Central Florida Long Term Disability law firm
focusing on Long Term Disability, Short Term Disability,
Life Insurance Claims, Private Disability Policies,
and Waiver of Life Insurance Premium Disability Claims.

“…to understand rather than be understood…”

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Our Service Areas

LONG TERM DISABILITY CLAIMS

If you have become unable to work due to illness or injury, we can help you secure your rights to benefits. Our Florida Long Term Disability attorneys guide our clients at every stage of the benefit entitlement process to protect this valuable income stream.

SHORT TERM DISABILITY CLAIMS

Short Term Disability plans can vary in duration, calculation, fringe benefit continuation and are often subject to many other limitations and conditions. We routinely help our clients navigate these potential pitfalls and other end of issues.

LIFE INSURANCE CLAIMS

If you have received a life insurance benefit denial, we have the experience you need to protect your financial security during this most difficult time in your life. Learn more about how we can help with life insurance claims.

At Herbert M. Hill, P.A., our top priority is caring for our clients in their time of need. When they come to us with issues related to their Long Term Disability policies, claims, and denials, we understand that their livelihoods are on the line.

Our dedicated attorneys work one-on-one with each client to understand their unique situation and craft a strategy to get them the highest and best result for their case. We can help you with a variety of legal matters, including:

  • Choosing the right Long Term Disability insurance policy
  • Filing a Long Term Disability claim
  • Determining your eligibility for benefits
  • Filing an appeal after a denial
  • And more

Long Term Disability insurance provides income replacement if you cannot work due to an injury or illness. To qualify for benefits, you must meet your policy’s definition of disability and wait through an initial elimination period. Long Term Disability benefits are typically a percentage of your pre-disability income and continue until you recover, reach retirement age, or the policy term ends, depending on the terms of your policy.

Approximately half of Long Term Disability claims are denied after the initial filing. Reasons for these denials include:

  • Insufficient Medical Evidence – Lack of adequate evidence to support the claim.
  • Policy Exclusions – Certain conditions may be excluded from the policy.
  • Pre-Existing Conditions – Some pre-existing conditions preclude a claimant from receiving benefits.
  • Failure To Meet Definition – Not meeting the policy’s definition of disability.
  • Incomplete Documentation – Missing or incomplete paperwork.
  • Filing Errors – Not following the claims process accurately.
  • Misrepresentation – Providing false or misleading information on the claim.

The length of a Long Term Disability appeal process can vary depending on several factors, including the complexity of your case, the responsiveness of the insurance company, and the specific procedures outlined in your policy.

An appeal may take several months in some cases, while more complex cases could extend for a year or longer. Be patient and work closely with an experienced Long Term Disability attorney to ensure the best possible outcome for your appeal.

The Long Term Disability process can be lengthy and complex. A Florida Long Term Disability law firm has the experience necessary to help expedite the process by helping you gather and include all required information in your initial filing or appeal. The Herbert M. Hill, P.A. team is skilled in negotiating with insurance companies and can advocate for you. If litigation is needed, we can represent you before a judge.

Choosing A Long Term Disability Insurance Policy

Our team has worked with all the major insurance companies, and it is our experience that they all work a little differently. While the basic framework of each Long Term Disability policy is the same, policy details vary from company to company, including benefit amount, benefit period, monthly premium, elimination period, and others.

You can obtain a Long Term Disability insurance policy through your employer, in which case, each of you pays a portion of the monthly premiums. If Long Term Disability insurance is not offered through your workplace, or if you are self-employed, you can acquire a personal policy. We can help you determine which policy is best for your circumstances if you need to choose one.

Filing A Claim

Most denials stem from mistakes when filing your Long Term Disability claim. Remember that the insurance company will not offer you any grace if you forget to include a medical document or neglect to provide the correct forms. You must include every detail for the best chance of having your claim approved.

Our Florida Long Term Disability law firm has helped countless clients file claims, and we can help ensure that every detail is addressed. We can assist you in gathering medical documents from your physician, recent test results, pay stubs, and more.

Determining Eligibility Benefits

Insurance companies employ a comprehensive process to assess eligibility for Long Term Disability benefits, which may take weeks to months for approval. This process involves reviewing the policy terms, examining medical documentation, evaluating the claim and supporting documents, and assessing financial information to determine if the claimant qualifies based on income loss. Following a thorough review, the insurance company either approves or denies the claim, with the option for the claimant to appeal if denied.

Filing An Appeal

If your claim is denied, you can file an appeal. The appeal process typically involves submitting additional evidence or requesting a review of the denial. Preparing and submitting an appeal can be complex and time-consuming.

If the appeal is unsuccessful, you may take legal action, extending the process significantly. Legal proceedings, including court hearings, can take several months to years. Legal assistance from a Long Term Disability attorney can be beneficial during this stage.

Testimonials

Having worked in many law offices for years, I feel more than qualified to say if you want an honest, professional firm representing your interest…. you are in the right place. Phone calls always returned, an honest assessment of the case, as well as an estimated timeline pretty much adhered to. I was recommended to use Herbert Hill by another attorney who said he was the ‘guy’ to use and he was right! Thank you again Herbert Hill and Patricia… so glad our case is behind us and we have peace of mind knowing we were represented by the best!

-V.M.

After extensive efforts to find help with my disability case, I finally got a referral from a referral for Mr. Hill. The fact that his office is in Orlando, and my home is in West Palm Beach, made no difference whatsoever. I am not overstating when I say without Mr. Hill, I would have never seen a penny. I actually ended up with two settlements. This firm is tenacious, they don’t give up, and they perdue every lead, every possibility. They stepped in when no one else dared. I owe them a lot, and am so happy to be able to share my personal experience with you all.

-S.C.

Specializes in Disability Insurance and knows what he is talking about!

-M.A.

Unfortunately, my medical condition forced me to stop working. After applying for Long Term Disability benefits through coverage I had with my employer, I was forced to look for representation. No attorney would take my case until I consulted with and hired Herbert M. Hill, P.A. to enforce my rights. It was an excellent decision. Mr. Hill and staff worked promptly to appeal the benefit denial. The appeal was successful and I have been on benefits ever since. After that, Mr. Hill kept my file open. His firm has handled all paperwork and walked me through each issue which came up.

-R.G.

I am a former manager of a well known telecommunications company. After many years on a successful career path, my health conditions forced me to file for Long Term Disability benefits. Although it seemed to me that I was clearly disabled, the insurance company denied my benefits. It was at this time that I decided to employ the services of Herbert M. Hill, P.A. to assist me with the claims. I am glad I did.

-R.P.

At any given time, I knew where my case stood. If I had any questions, they would be answered on my first call or by the end of the same day.

The case was handled efficiently and in a timely manner. I have and will continue to recommend Mr. Hill.

-M.A.

The undersigned is a veterinarian whose health conditions forced me to file for disability benefits, including benefits pursuant to an “overhead” policy.

There were any number of issues which arose, none of which I would have expected. Mr. Hill even came to my office for a review of my office procedures and a meeting with the insurance company’s field representative.

-A.G., DVM

The assistance provided by Mr. Hill and his staff proved invaluable, even continuing with related issues which have continued to arise after my disability claims were approved…

I am extremely grateful for the personal concern shown – not only about my claims but about me – his staff’s concerns as to how my claims and the issues relating thereto would affect me, as a person.

- A.D., Esq.

Mr. Hill filed an appeal which resulted in an early settlement of the ensuing lawsuit which was the result I wanted. Because of the successful handling of that claim, I retained Mr. Hill to handle an issue which arose in conjunction with my entitlement to continuing pension benefits. Mr. Hill again filed an appeal which resulted in those benefits being reinstated.

I was very pleased with not only the favorable results secured as a result of Mr. Hill’s representation but also the manner in which he handled the claim and kept me advised throughout the proceedings.

- S.V.

Awesome experience. From the first moment I spoke with Mr. Hill I knew I was in good hands. He took the time to explain every step in the process and keep me informed all along the way. His assistant, Patricia is a jewel! She returned emails and phone calls promptly. And Michael was always responsive if Mr. Hill or Patricia weren’t available. This was the most positive experience I’ve ever had with a law firm. Thank you Mr. Hill, Patricia and Michael for working so hard on my case and the added personal touch.

- M.H.

After months of searching for an attorney who would take my case, I was referred to and met with Attorney Herbert Hill. From that very first meeting Attorney Hill was attentive, gave his honest and learned opinion on my options and did so in a very professional manner. He pursued all legal avenues available and at the end of 2 years was able to secure a very acceptable settlement. He was patient and persistent and I could not have asked for a better attorney to represent me in this legal battle.

I would highly recommend Attorney Hill and his wonderful staff. They were always on top of the game and made sure I fully understood every step of the process.

- C.G.

It was a blessing to have the Law Offices of Herbert M. Hill, P.A. after many years of personal injuries due to the physical nature of my nursing career. His practice helped me navigate through uncertainties and vulnerabilities weighed against my circumstances due to the neglect of my various employers and their marginally helpful Long Term Disability plans. I recommend his practice to anyone requiring help during this type of ordeal. A hearty Thank You to Mr Hill and his courteous and professional supporting staff.

- M.L.

From my first conversation with Mr Hill I knew I had found the person I needed to get the job done. His caring and compassion came through in every discussion and transaction. His team was steadfast in their dedication to win my case. Patricia was always available and pleasant to work with. Having a debilitating medical condition can be very difficult, and at times depressing. But thanks to Mr Hill and his team I am now receiving the benefits I worked for, earned, and deserved. Much gratitude to this group!

- Lisa Waitkus

Herbert M. Hill, P.A. Is The Disability Insurance Law Firm You Need

Having an attorney by your side throughout the Long Term Disability process provides peace of mind. You can focus on your health while our attorneys handle the legal complexities of your case. Our Florida Long Term Disability law firm can be a valuable ally in securing the benefits you are entitled to, ensuring the best possible chance for a successful outcome in your Long Term Disability case.

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LONG TERM DISABILITY CLAIM

Areas We Service

  • Melbourne

  • Ocoee

  • Oviedo

  • Rockledge

  • Sanford

  • Titusville

  • Winter Garden

  • Winter Park

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