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Orlando Long Term Disability Law Firm
The law office of Herbert M. Hill, P.A. specializes in employee benefits cases, specifically denials and appeals. We possess the comprehensive knowledge, experience, and resources to protect your benefits and rights vigorously. Our office has represented various professions and employment positions throughout the economy. Each case presents unique challenges that require the knowledge and skills we offer. We have extensive experience dealing with every major insurance company that provides LTD benefits and have handled virtually every type of claim with every possible issue
Denials and Appeals
Navigating the complexities of Long Term Disability insurance can be particularly challenging when you are facing a denial of benefits. At Herbert M. Hill, P.A., we specialize in helping clients with LTD denials and appeals.
We understand that a denial can be devastating, especially when you rely on these benefits to support your family. Our dedicated team works tirelessly to review your case, gather necessary evidence, and present a compelling appeal to the insurance company.
Our Experience Counts
Our extensive experience dealing with major insurance companies ensures that we are familiar with their tactics and how to counteract them effectively. If your Long Term Disability claim has been denied, acting quickly is essential. The appeals process often has strict deadlines, and missing these can jeopardize your chances of receiving benefits. Herbert M. Hill, P.A. will guide you through the appeals process, ensuring all necessary documents are submitted on time and your case is presented in the most vital possible light. We are committed to securing the benefits you deserve so you can focus on your health and well-being.
Common Issues in Long Term Disability Claims
We have taken numerous claims to lawsuits, addressing a variety of issues, including:
- Definition of “Earnings”: Determining what constitutes pre-disability earnings under your policy.
- Definition of “Disability”: Clarifying the policy’s criteria for qualifying as disabled.
- “Own Occupation” vs. “Any Occupation”: Understanding whether your policy covers you if you cannot perform your specific job or any job.
- Overpayment and Offset Issues: Navigating situations where benefits are lower due to other income sources such as Social Security, Workers’ Compensation, or pensions.
- Mental or Nervous Limitations: Addressing limitations on benefits for mental health conditions.
- Self-Reported Symptoms: Handling claims involving symptoms that are not easily verifiable through objective medical testing.
Why Choose Herbert M. Hill, P.A.?
Herbert M. Hill, P.A., is dedicated to employee benefits cases. Our firm has the experience and determination to advocate for you and help you receive the benefits you deserve. We understand the complexities of Long Term Disability insurance and are committed to providing personalized, effective legal representation. Whether you are facing a denial or need to appeal an LTD claim, our team is here to guide you through every step.
Contact Our Orlando Long Term Disability Lawyers Today
Navigating the complexities of Long Term Disability insurance can be daunting, especially when dealing with claims, denials, and appeals. At Herbert M. Hill, P.A., we are dedicated to helping you secure the benefits you are entitled to.
Contact us today to discuss your Long Term Disability case and learn how we can help you protect 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.
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.
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.
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.
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.
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.