Long Term Disability Claims
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Long Term Disability: Applications, Claims and Denials
Long Term Disability (“LTD”) benefits are provided to an individual to replace lost income in the event of an injury or sickness resulting in an inability to work. Generally after the end of the entitlement to Short Term Disability benefits, Long Term Disability benefits begin. As your Long Term Disability attorney Orlando, the goal is for there to be a “seamless” transition between the two. Keep in mind that just because Short Term Disability benefits have been denied, the application for Long Term Disability benefits must be commenced and pursued. The denial of Short Term Disability benefits does not mean there is no entitlement to Long Term Disability benefits (despite what the insurance company may tell you). Long Term Disability benefits are usually a percentage of your “pre-disability earnings.” The definition of this (or similar) term must be determined as it usually does not include overtime and bonuses although with some policies it does. The next important item is the definition of “disability,” how long benefits go, how Long Term Disability claims work, any limitations and/or applicable exclusions.
The law office of Herbert M. Hill, your long term disability attorney Orlando, is dedicated to employee benefits cases. We have the comprehensive knowledge, experience and resources to strenuously fight to protect your benefits and rights. Our office has represented just about every type of profession and employment position routinely found in our economy. Each case has its own “wrinkles” which require experience of the type we have. We also have extensive experience with every major insurance company which provides these benefits. We have taken just about every type of claim with just about every possible issue to a lawsuit, including the following:
- Definition of “earnings”
- Definition of “disability”
- “Own occupation” applicability
- “Any occupation” applicability
- Overpayment issues
- Offset issues, including:
- Social Security
- Workers Compensation
- Mental or nervous limitations; and
- Self-reported symptoms
The law office of Herbert M. Hill, your Long Term Disability attorney Orlando, is dedicated to employee benefits cases. We have the comprehensive knowledge, experience and resources to strenuously fight to protect your benefits and rights.