Adding to the complicated LTD process, age can factor into your ability to receive benefits. Our Orlando Long Term Disability denial lawyer shares some advice on getting the benefits you are entitled to.

Long Term Disability (LTD) insurance protects you if injuries, serious illnesses, or chronic health conditions prevent you from working for a year or longer. Often included as part of your employee compensation package, this insurance can be crucial. 

However, it is essential to review the terms of your LTD coverage carefully. Your employer must provide you with all policy-related documents upon request, according to the Employee Retirement Income Security Act of 1974 (ERISA).

Important provisions to consider include:

  • Covered Conditions: Insurers vary in the types of disabilities the policy covers.
  • Exclusions: Insurers typically have a list of conditions excluded from coverage.
  • Waiting Periods: After becoming disabled, you may not be eligible to receive benefits for five months or more.
  • Length of Coverage: Employer-provided LTD policies may only offer benefits for a few years.
  • Benefit Amounts: Your Long Term Disability benefits may be limited, potentially capped at a level below your needs.

The Reality of Age-Related Risks and LTD Claims

As you age, the likelihood of experiencing health issues that could lead to Long Term Disability increases. Approximately 25% of adults will suffer a Long Term Disability before they reach retirement, according to the Social Security Administration (SSA). Common age-related health issues include arthritis, heart disease, and diabetes, which can significantly impact your ability to work.

Challenges in Filing LTD Claims

Unfortunately, many discover that employer-provided LTD benefits must be increased to match expenses. This can mainly concern older employees, who may face higher medical costs and other financial pressures. It is not uncommon for claims to be denied or benefits to fall short of what is needed.

Do You Need Additional LTD Protection?

Given the potential inadequacies of employer-provided LTD insurance, consider purchasing additional private LTD insurance. This can be especially important if:

  • You Have Chronic Health Conditions: If you suffer from chronic illnesses that increase your risk of Long Term Disability, additional coverage can offer more security.
  • You Are the Primary Breadwinner: If your family relies heavily on your income, having extra LTD protection can safeguard your financial stability.
  • Limited Employer Benefits: If your employer-provided benefits only last for a short period, additional coverage can fill the gap.
  • Uncovered Conditions: If your current LTD policy does not cover certain conditions you have, a private policy may be necessary.

How an Orlando Long Term Disability Denial Lawyer Can Help

Facing a Long Term Disability denial can be daunting, especially when dealing with age-related health issues. An experienced Long Term Disability denial lawyer can help you navigate your claim and appeal a denial. 

We can help gather the necessary documentation, ensure it aligns with policy requirements, and represent you in any appeals or hearings to maximize your chances of approval.

Contact Our Experienced Attorneys Today Orlando Long Term Disability denial lawyer

At Herbert M. Hill, P.A., our team of dedicated Orlando LTD denial attorneys is committed to helping you secure the benefits you deserve. We understand the challenges of age-related Long Term Disability risks and are here to support you every step of the way. 

Do not let myths and misconceptions about Long Term Disability claims deter you from seeking the benefits you are entitled to. Contact us today to schedule a consultation and take the first step toward securing your benefits.