It is important to protect your income stream of disability benefits.
You trusted through all your pre-disability years, as you were paying into a private or group Short Term or Long Term Disability plan, that in the event that an injury or illness should make you unable to work, you would be secure financially through disability benefits. Even if you have been paid Short Term or begun Long Term disability benefits, your right to them is not guaranteed.
There are many pitfalls that a claimant must be weary of in order to maintain their right to these benefits. Continuing medical evidence and support by your treating doctors is critical. If you feel that your doctor is one that does not like to complete forms unrelated to his actual treatment, it may be time to consider a new doctor and establish treatment before your status as disabled comes under question. And your status as disabled will come under question. A claimaint who is receiving monthly benefits will have to complete forms, as will their doctor, from time to time to show continuing disability. The insurance company is just waiting for any indication of these forms that your condition has improved.
Furthermore, the analysis of your claim may change after a period of time where you must show that you are not only disabled from your own occupation, but that you are disabled from any occupation for which you are reasonably qualified through education or experience. This heightens the scrutiny of your status of disabled and brings a claim in which benefits are being routinely paid into question.
If you are a young person who has become disabled, the insurance company will be looking for any reason to deny you in the future in order to get out of their obligation to pay you for a long time to come, as well as relieve themselves of the cost to administer your claim for a long period of time.
These are just a few examples which highlights that a claim for Short Term or Long Term disability benefits which has been approved and continues to be paid may not be as reliable an income stream as you may believe. Once a client hires the Law Office of Herbert M. Hill, we become your attorneys through the remainder of your claim. Our job is not done once you are approved. Our attorneys ensure that you are completing your update forms accurately and in a manner which best protects your interests and will keep you on claim. We help weather the tactics used by the insurance companies to find that you are no longer entitled to benefits.
If you have any questions about your Short Term disability or Long Term disability claim, please give Herbert M. Hill, P.A. a call and we would be glad to answer any questions you may have. We are available at 407-839-0005 or, toll free, 844-454-59995, If you would like, after discussing your case, we can set a conference. In most circumstances, that conference would be free of charge but in no circumstance would you be under any obligation to hire me nor would you feel any pressure from me to do so.
Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the state of Florida. While the vast majority of cases handled are for disability insurance benefits, areas of practice include employee benefit claims of all sorts. The firm handles any claims arising under the Employee Retirement Income Security Act (“ERISA”) for disability benefits, medical benefits, retirement benefits of any sort, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies.