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Finding out your Long Term Disability claim was denied can leave you hopeless. Our Maitland Disability Denial Lawyer can help you pursue the benefits you are entitled to.

Long Term Disability (LTD) benefits offer essential financial support to Maitland residents who cannot work due to illness or injury. These benefits help bridge the gap when Short Term Disability coverage ends, ensuring stability during challenging times.

At Herbert M. Hill, P.A., we are dedicated to helping clients navigate the challenges of Long Term Disability claims. As your trusted Maitland disability denial lawyer, we work diligently to secure your benefits and protect your rights.

Even if your Short Term Disability claim was denied, you may still be eligible for LTD benefits. A denial of one does not necessarily impact the other, so it is essential to explore all available options.

Key Considerations for Long Term Disability Benefits

Long Term Disability benefits aim to replace a portion of your pre-disability income, but every policy has unique terms. Understanding the specifics of your coverage is critical to maximizing your benefits. Some policies factor in overtime, bonuses, and other earnings, while others do not.

Important policy elements to evaluate include:

  1. The definition of “disability” and how it applies to your condition.
  2. The length of time benefits are available under your plan.
  3. The necessary steps for a successful claim.
  4. Any exclusions or limitations that could affect eligibility.

Our team reviews your policy in detail, ensuring you fully understand your rights while pursuing the benefits you are entitled to receive.

Skilled Legal Representation for LTD Claims in Maitland

Navigating a Long Term Disability claim can be complex, whether you are submitting an initial claim, responding to a denial, or filing an appeal. Our firm focuses on employee benefits cases, particularly LTD claims, providing the legal insight necessary to handle every stage of the process.

With extensive experience dealing with insurance providers, we help clients from diverse professions overcome challenges unique to their claims. Our approach is customized to address the specific circumstances of every case.

Overcoming Denied LTD Claims

Receiving a denial for your Long Term Disability claim can be stressful, mainly when you rely on those benefits for financial security. Our firm assists Maitland residents in navigating the appeals process with confidence.

We take a strategic approach, compiling compelling medical evidence, securing expert opinions, and submitting comprehensive documentation to strengthen your claim. Since LTD appeals often have strict deadlines, acting quickly is crucial to preserving your rights and securing your benefits.

Addressing Complex Challenges in LTD Cases

Insurance companies frequently deny claims using various tactics, but our experience allows us to counter these challenges effectively. We handle issues such as:

  • Ensuring pre-disability income is calculated correctly according to policy terms.
  • Meeting the definition of “disability,” whether under own occupation or “any occupation” standards.
  • Addressing reductions in benefits due to Social Security or Workers’ Compensation offsets.
  • Reviewing limitations placed on claims related to mental health conditions.
  • Strengthening cases involving self-reported conditions like chronic pain or fatigue.

Why Trust Herbert M. Hill, P.A. for Your Disability Claim?

At Herbert M. Hill, P.A., we provide dedicated, client-focused representation for Maitland residents facing Long Term Disability claim challenges. Whether you are preparing an initial claim, appealing a denial, or managing a complex case, we craft a strategy that aligns with your unique needs.

Our firm has a strong track record of securing LTD benefits for clients, helping them receive the financial support they deserve. We prioritize clear communication and personalized service, keeping you informed at every stage of the process.

Speak with a Maitland Disability Denial Lawyer Today

If you are struggling with a Long Term Disability claim, Herbert M. Hill, P.A. is here to assist you. We offer the legal guidance, support, and advocacy necessary to safeguard your financial future while you focus on your health.

Contact us today to schedule a consultation with an experienced disability denial lawyer in Maitland. Let us help you pursue the benefits you deserve.

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.