Free Case Evaluation
Fill out this form for a FREE, Immediate, Case Evaluation
Ready to get started?
Fill out this form below and we'll get in touch with you.
WHAT WE DO
At Herbert M. Hill, P.A., our team of Florida Long Term Disability insurance lawyers specializes in various aspects of disability insurance claims. We are dedicated to working tirelessly to ensure you receive the benefits you rightfully deserve.
Life Insurance Claims and Waiver of Life Insurance Premium Disability Claims
Our experience encompasses Long Term Disability claims, which provide essential income support during extended periods of disability. We also handle Short Term Disability claims, ensuring a smooth transition from short-term to long-term benefits. Private Disability Policies are another area of our focus, ensuring that individuals with personal coverage receive the support they deserve.
Long Term & Short Term Disability Claims and Private Disability Policies
Our experience encompasses Long Term Disability claims, which provide essential income support during extended periods of disability. We also handle Short Term Disability claims, ensuring a smooth transition from short-term to long-term benefits. Private Disability Policies are another area of our focus, ensuring that individuals with personal coverage receive the support they deserve.
Long Term & Short Term Disability Claims and Private Disability Policies
Long Term & Short Term Disability Claims and Private Disability Policies
Our experience encompasses Long Term Disability claims, which provide essential income support during extended periods of disability. We also handle Short Term Disability claims, ensuring a smooth transition from short-term to long-term benefits. Private Disability Policies are another area of our focus, ensuring that individuals with personal coverage receive the support they deserve.
Life Insurance Claims and Waiver of Life Insurance Premium Disability Claims
Life Insurance Claims and Waiver of Life Insurance Premium Disability Claims
Life Insurance Claims and Waiver of Life Insurance Premium Disability Claims round out our services, helping you navigate these crucial aspects of insurance coverage. Our dedicated team is here to protect your rights and ensure you receive the benefits you are entitled to.
PRACTICE AREAS
Long Term Disability (LTD) insurance usually starts after a three- to six-month waiting period following the onset of a disabling illness or injury once short-term benefits are exhausted. These benefits commonly range from 50% to 60% of an employee’s salary, often capped at a monthly maximum, typically $10,000.
It is helpful to have a Florida Long Term Disability insurance lawyer working on your case to facilitate a smooth transition between the two policies so there is no gap in financial benefits. Your attorney can also help you understand the disability definition, benefit duration, claims process, and any limitations or exclusions.
At Herbert M. Hill, P.A., our Florida Long Term Disability insurance lawyers focus primarily on Long Term Disability benefits cases, with extensive experience dealing with major insurance providers. We have handled claims involving earnings, disability definitions, overpayment, offsets (e.g., Social Security, Workers Compensation, and Pensions), mental limitations, and self-reported symptoms.
As a Florida Long Term Disability insurance lawyer who works with Short Term Disability cases daily, we understand that this initial step is crucial in the Long Term Disability claims process.
Group Short Term Disability (STD) policies typically offer income replacement benefits for employees who miss at least seven days of work due to an injury or illness. These benefits, ranging from 60% to 100% of pre-disability earnings, are payable when employees cannot perform their jobs because of their diagnosed illness or injury.
Short Term Disability benefits typically last 12 weeks to a year, following a one-week waiting period. These policies vary from employer to employer, affecting your Short Term Disability claim. Maintaining fringe benefits, such as group medical coverage, is important during this period.
While the insurance company may suggest that you need Short Term Disability to secure Long Term Disability benefits, it is not always necessary. We handle the appeal process and the Long Term Disability claim to ensure a smooth transition. We focus on managing the complexities so you can prioritize your medical care.
Private Disability policies are personal insurance plans separate from your employment benefits. These policies offer fixed benefits tailored to specific professions, and the laws governing them vary by state. It is vital to understand your policy, and having a Florida Long Term Disability insurance lawyer review it can clarify your benefit entitlement.
Our firm is experienced in Private Disability policies for professionals like doctors, attorneys, dentists, and engineers. Each profession has its complexities, and insurance companies may not fit your claim neatly into their categories. Determining the correct disability date can be challenging, making an experienced attorney invaluable.
Dealing with a denied life insurance claim can be distressing, especially during a challenging time. We understand the frustration when the company you relied on for financial security seeks reasons not to pay. With our 35 years of legal experience, we can help ensure your claim is rightfully paid.
Insurance companies often scrutinize policies for reasons to deny benefits. We can help to close any potential loopholes they may exploit. Remember, if policy language is vague or subject to interpretation, the law favors your side.
We have successfully battled companies like SunLife, Prudential, MetLife, and more, and we are familiar with their tactics. Count on us to vigorously pursue your life insurance claim.
In many life insurance policies, disability can lead to waiving life insurance premiums. Similar to issues in disability claims, the key question is whether you can perform the duties of your occupation or any related occupation. This
definition can vary between policies, and proving eligibility requires medical evidence.
Sometimes, a situation arises where disability benefits are approved, but premium waivers are denied, or vice versa. This anomaly occurs more often than you might think.
This benefit should not be overlooked while pursuing disability benefits. We can assess whether you are entitled to this benefit and provide the necessary assistance to protect this valuable right.
INSURANCE COMPANIES
We Are Your Florida Long Term Disability Insurance Lawyers
Are you ready to secure your benefits and rights? Contact us for experienced guidance on your disability insurance claims. Our firm focuses only on Long Term Disability, Short Term Disability, Private Disability Policy, Life Insurance, and Premium Waivers cases.
We work exclusively on these cases, so we have a focused and thorough understanding of this specific area of law. Our experience gives us a depth of knowledge that a general practice law firm may lack.