Long Term Disability Claims 2017-07-01T15:40:54+00:00
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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, 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
    •   Pensions
  •  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.

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.
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