Long Term Disability claims can be complex and confusing, especially when you are facing insurance companies that are notorious for denying claims. Our Lake Nona Long Term Disability insurance lawyers are here to help.
As Lake Nona Long Term Disability insurance lawyers, the attorneys at Herbert M. Hill, P.A. are committed to providing diligent and vigorous representation to our clients. Throughout our decades of legal experience, we have received many inquiries regarding Long Term Disability (LTD) claims. In this blog, we will answer some of the most commonly asked questions.
Your Long Term Disability Questions Answered
Do Social Security Payments Impact My Long Term Disability?
If you are receiving Social Security Disability (SSD) payments, it could affect your LTD benefit. Typically, the insurance company is allowed to deduct your SSD benefit against your LTD benefit. For example, if you were receiving $1,500 in monthly payments from your LTD policy and $500 in monthly payments from Social Security, your insurer would reduce your monthly LTD benefit payment by $500.
Some of our clients have been receiving LTD benefits for some time before they are awarded SSD benefits, and then they find themselves in an overpayment situation because of the offset. As Lake Nona Long Term Disability insurance lawyers, we have helped many clients through this process and would be happy to assist you as well.
What is an Independent Medical Exam? How Can I Prepare For Mine?
If your insurance company requests it, part of the process of obtaining LTD benefits is the independent medical exam (IME). This exam is conducted by a medical provider that is appointed by your insurance company, and not your regular primary care physician.
It is a good idea to prepare for your IME by arranging for a trusted friend or relative to come with you to your appointment. They can help you take notes during your examination and assist you by recording the questions that the doctor asks and any tests that are performed. After your appointment, you should obtain a copy of the report and share it with your Long Term Disability insurance lawyer.
Are There Advantages to Hiring Lake Nona Long Term Disability Insurance Lawyers?
Your attorney can ensure that paperwork is complete, no deadlines are missed, and that you have supportive guidance throughout the claims process. Your insurance company will do everything they can to deny your LTD benefits, which is why it is critical to have an experienced attorney who understands the complex laws that surround these claims.
The attorneys at Herbert M. Hill, P.A. will face your insurance company while providing you with personalized service. Our clients are happy to share the wonderful experiences that they have working with our firm. In this recent review, Malinda H. tells us what a difference we made in her case:
“Awesome experience. From the first moment I spoke with Mr. Hill, I knew I was in good hands. He took the time to explain every step in the process and keep me informed all along the way. His assistant, Patricia, is a jewel! She returned emails and phone calls promptly. And Michael was always responsive if Mr. Hill or Patricia weren’t available. This was the most positive experience I’ve ever had with a law firm. Thank you Mr. Hill, Patricia and Michael for working so hard on my case and the added personal touch.”
Many law firms handle Long Term Disability claims on the side, but that is all that we do. Let us put our knowledge of this area of law to work for you. Reach out to us today to discuss the details of your case.