Winter Springs Long Term Disability Law Firm

Long Term Disability (LTD) benefits are essential for individuals who can no longer work due to injury or illness. These benefits offer a lifeline by replacing lost income and typically begin after Short Term Disability benefits have been exhausted.

As your Winter Springs Long Term Disability lawyer, we work to foster a smooth transition between Short Term and Long Term Disability benefits. If your Short Term Disability claim was denied, you should still pursue Long Term Disability benefits. A denial of Short Term Disability does not automatically disqualify you from receiving LTD benefits, despite what the insurance company may suggest.

Navigating Long Term Disability Benefits: What You Need to Know

Long Term Disability benefits generally cover a percentage of your pre-disability income. The definition of “pre-disability earnings” can vary from policy to policy, often excluding overtime and bonuses, although some policies may include them.

Critical elements of your LTD policy to understand include:

Definitions of “disability.”
Length of benefit coverage.
The claim submission process.
Potential limitations or exclusions that may affect your benefits.

Experienced Legal Representation for Winter Springs Residents

The Herbert M. Hill, P.A. team focuses on employee benefits cases, particularly denials and appeals. We have the knowledge, experience, and resources to protect your rights and benefits vigorously. Our office has represented clients from various professions and industries, handling complex cases skillfully.

With extensive experience dealing with all major insurance companies that provide LTD benefits, we are well-versed in addressing every type of claim and issue.

Denied LTD Benefits? We Are Here to Help

Facing a denial of Long Term Disability benefits can be overwhelming, especially when you depend on these benefits to support your family. At Herbert M. Hill, P.A., we specialize in helping clients navigate LTD denials and appeals, gathering evidence, and building a strong appeal on your behalf.

Our experienced legal team understands how significant these benefits are. We will thoroughly review your case and ensure all necessary documents are submitted on time so your appeal has the best chance of success.

In-Depth Knowledge to Fight for Your Rights

We have years of experience dealing with major insurance companies and understand their tactics. If your Long Term Disability claim has been denied, it is crucial to act quickly, as the appeals process often has strict deadlines. Missing these deadlines could jeopardize your chances of receiving benefits.

At Herbert M. Hill, P.A., we will guide you through the appeals process, ensuring your case is presented in the strongest possible light. Our goal is to secure the benefits you deserve so that you can focus on your health and recovery.

Addressing Common Issues in Long Term Disability Claims

We have successfully handled numerous lawsuits involving Long Term Disability claims, dealing with issues such as:

Earnings Definition: Clarifying what constitutes pre-disability earnings under your policy.
Disability Definition: Ensuring you meet the policy’s criteria for being considered disabled.
Own Occupation vs. Any Occupation: Understanding the difference between being unable to perform your specific job versus any job.
Overpayment and Offsets: Handling benefit reductions due to other income sources, such as Social Security or Workers’ Compensation.
Mental Health Limitations: Navigating policy restrictions on benefits for mental health conditions.
Self-Reported Symptoms: Dealing with claims based on symptoms challenging to verify through objective medical tests.

Why Herbert M. Hill, P.A. is the Right Choice for Your Long Term Disability Case

At Herbert M. Hill, P.A., we are committed to helping clients with employee benefits cases, especially Long Term Disability claims. We understand the complexities of LTD insurance and are dedicated to providing personalized, effective legal representation. Whether you are facing a denial or need assistance with an appeal, our team is here to support you every step of the way.

Contact Our Winter Springs Long Term Disability Lawyers Today

Dealing with Long Term Disability claims, denials, and appeals can be daunting, but you do not have to face it alone. At Herbert M. Hill, P.A., we are dedicated to helping you secure the benefits you deserve. Contact us today to discuss your Long Term Disability case and learn how we can help you protect your financial future.

Long Term Disability Claims

Short Term Disability Claims

Waiver of Life Insurance Premium Disability Claims

Private Disability Policies

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.

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