Are you in need of Altamonte Springs Long Term Disability benefits, but you are unsure about the process? Herbert M. Hill, P.A. can help guide you through the filing process to receive the benefits you need.

If you are unable to work due to an injury or sickness, you may be entitled to Altamonte Springs Long Term Disability benefits. Filing a disability claim can feel overwhelming. Here are some steps to help you navigate the filing process.

Plan Documents

The first step to collecting Altamonte Springs Long Term Disability benefits is to request Plan Documents. If you do not have a copy of the Plan Documents that you are entitled to receive, for free, from the Plan Administrator – usually your employer or human resources manager – you should immediately ask for a copy for your records.

If you did not receive your free copy of the Plan Documents, you should send a certified letter with a return receipt. Your employer will then have 30 days to respond. If they have not responded after 30 days, some penalties may apply.

Communicating With Insurance Companies

The next step in getting started on your Altamonte Springs Long Term Disability journey is communicating with your insurance company. You can connect with them in two ways: written and verbal.

Written Communication

All written communication with insurance companies should be handled in a way that you can prove delivery. At Herbert M. Hill, P.A., we have listened to numerous complaints from clients saying that their insurance company denied receiving documentation or correspondence. 

To avoid your written correspondence from accidentally getting misplaced or tossed out, send all letters involving your Altamonte Springs Long Term Disability claim by certified mail and request a return receipt. And be sure to keep a copy of everything you send as well as the document that proves delivery.

Oral Communication

All oral communication should be handled with your personal case diary. It’s critical to keep notes of the date and time of all conversations dealing with your Altamonte Springs Long Term Disability claim. Also, be sure you always ask for the representative’s full name. Knowing exactly who you spoke to will help if you need to call back and talk to them again. Plus, they are already familiar with your case and what you previously discussed. 

Filing An Appeal

If you receive a letter denying your claim for benefits, do not despair. Our highly experienced attorneys know that submitting an appeal is required in nearly every Altamonte Springs Long Term Disability case. If your case is governed by the federal statute Employee Retirement Income Security Act (ERISA), submitting an appeal is required before a lawsuit can be filed. 

ERISA is a statute that governs almost every employment fringe benefit you have. This includes medical benefits, disability benefits, pension benefits, 401k benefits, life insurance, dental, vision, and any other benefits that your employer may provide.

Client Testimonials 

Read what our clients have to say about working with us on their disability claims:

“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.

If you need assistance with your Altamonte Springs Long Term Disability case, contact us today. We would be honored to help you get the benefits you need.