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DeLand Long Term Disability Lawyer

Long Term Disability (LTD) benefits are a critical financial resource for individuals in DeLand who cannot work due to an injury or illness, providing necessary income replacement when Short Term Disability benefits have ended. 

As your DeLand Long Term Disability lawyer, we work to make your transition between Short Term and Long Term Disability benefits as smooth as possible. 

Even if you received a denial for Short Term Disability, it remains essential to pursue Long Term Disability benefits; a Short Term Disability denial does not mean you are automatically disqualified from LTD coverage.

Understanding Long Term Disability Benefits

Long Term Disability benefits are intended to replace a percentage of your pre-disability income. Each policy has unique terms, and “pre-disability earnings” can be calculated differently. Some policies, for instance, may exclude additional income sources like overtime and bonuses, while others include them.

Critical components to review in your LTD policy include:

  • Definitions of “disability”
  • Duration of benefit coverage
  • Steps to submit a claim
  • Limitations or exclusions that may impact your eligibility

Legal Advocacy for DeLand Long Term Disability Claims

At Herbert M. Hill, P.A., we are dedicated to assisting individuals with employee benefits cases, particularly those facing LTD claim denials or appeals. We bring the legal experience and commitment needed to advocate for your entitled benefits, offering extensive experience handling claims for clients across various professions and industries. Our familiarity with major LTD insurance providers positions us to tackle any issues or complexities in your claim.

Support for Denied LTD Benefits

Facing a denial of your Long Term Disability benefits can be daunting, especially when these benefits are vital to your financial well-being. Our legal team specializes in representing clients in the LTD appeals process. We meticulously gather supporting evidence, compile thorough documentation, and prepare a compelling appeal to increase the likelihood of a successful outcome.

We understand the urgency of these benefits for you and your family and work diligently to file all required documentation promptly and accurately, enhancing your appeal’s strength.

Extensive Experience to Advocate for Your Rights

With years of experience working with large insurance companies, we know their tactics in denying claims. If your LTD benefits have been denied, it is essential to act quickly—strict deadlines apply to appeals, and missing them could jeopardize your benefits. 

At Herbert M. Hill, P.A., we guide you through every step of the appeal, ensuring your case is presented in a way that strengthens your position and advocates for your well-being.

Addressing Common Issues in Long Term Disability Claims

We handle a wide range of Long Term Disability cases, addressing challenges such as:

  • Income Clarification: Accurately defining pre-disability income based on your policy’s specific terms.
  • Disability Definitions: Ensuring you meet your policy’s unique criteria for disability.
  • Occupation Criteria: Clarifying “own occupation” vs. “any occupation” requirements for disability.
  • Offsets and Overpayments: Managing reductions due to other income sources, such as Social Security or Workers’ Compensation.
  • Mental Health Limitations: Handling limitations specific to mental health-related claims.
  • Self-Reported Symptoms: Building a case for symptoms that may not be objectively measured but are still valid and impactful.

Choose Herbert M. Hill, P.A. for Your DeLand Long Term Disability Case

Our team is committed to assisting clients with Long Term Disability claims and other employee benefits matters. With a deep understanding of the complexities of LTD insurance, we provide personalized and reliable legal support. Whether you need assistance with an appeal or are facing a denial, we are here to guide you and ensure your claim is presented as strongly as possible.

Contact Our DeLand Long Term Disability Lawyers Today

Navigating Long Term Disability claims, denials, and appeals can be challenging, but you do not have to handle it alone. At Herbert M. Hill, P.A., we are dedicated to helping you secure the benefits you need. Contact us today to discuss your Long Term Disability case, and let us help you safeguard your financial future.

Testimonials

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.