Author Archives: Jay Butchko
Options For Supplementing Your Long-Term Disability Benefits In Florida
Long-term disability benefits are often available through your employer, included as part of your overall compensation package. They can help to offset lost wages in the event you suffer from an accidental injury, serious illness, or chronic health condition that prevents you from working for a year or longer. However, they typically only reimburse… Read More »
The Latest News On COVID And Long-Term Disabilities
The COVID virus reached U.S. shores in January of 2020 and has been a public health crisis ever since. In the early days, victims were likely to have severe infections that took long months to recover from. As the years passed and vaccines were introduced, the severity of the illness seems to have reduced… Read More »
Frequently Asked Questions About Social Security Disability Benefits
Social Security disability insurance (SSDI) provides benefits for people who are unable to work. These can provide a lifeline for disabled workers and their families, but the process for filing a claim is confusing and denials are common. Our Jacksonville Social Security disability lawyer has years of experience helping clients with these claims. The… Read More »
Discretionary Clause In Long Term Disability Insurance And How It Impacts Your Benefits
Long-term disability insurance protects you in the event an illness or injury prevents you from working. The terms of your policy dictate what is covered, your benefit amount, and the procedures for submitting a claim. However, in Florida, there is something known as a ‘discretionary clause’ in these policies. Our Jacksonville long-term disability lawyer… Read More »
FAQs About Employer-Provided Long-Term Disability Insurance Claim Denials
Employer-provided long-term disability (LTD) insurance protects you in the event an injury or illness prevents you from working for a year or longer. It generally compensates up to two-thirds of your lost wages, which can provide a lifeline for you and your family. However, many employer-provided LTD insurance claims often end up getting denied…. Read More »
Five Important Documents Needed In Filing A Social Security Disability Claim
Social Security disability insurance (SSDI) can help provide a steady source of income for you and your family in the event long-term disabilities prevent you from working. Unfortunately, the majority of SSDI claims end up being denied on the first application. One of the most common reasons for denied disability benefits is not providing… Read More »
How A Functional Capacity Exam (FCE) Could Help Or Hurt Your Long-Term Disability Claim
If an illness or injury prevents you from working, long-term disability (LTD) insurance coverage provided through your employer can help in offsetting your lost income. However, when filing a claim, be aware that you will likely face heavy scrutiny from the insurance company. As for-profit businesses, it is in their best interests to reduce… Read More »
Insurance Companies’ Tactics Used To Deny Long-Term Disability Claims
Insurance companies collect vast amounts of money from policy holders with the understanding that when unexpected events happen, they will provide the compensation needed. For people with either employer-provided or private long-term disability coverage, payments help to offset lost wages and ensure you can still support yourself and your loved ones. Unfortunately, it can… Read More »
Four Primary Causes Of Long-Term Disability
Long-term disabilities have serious impacts on your health and prevent you from working for a year or longer. This can put your future and the financial security of both you and your family at risk. Our Florida long-term disability attorney explains four primary causes and how to get the benefits you are entitled to…. Read More »
Heat-Related Illnesses: Take Precautions To Reduce Long-Term Disability Risks In Florida Over Summer
Summer in Florida means soaring temperatures and plenty of sun. While this may be fine for people on vacation, it can create challenges for workers. Heatstroke and other heat-related illnesses are common among a variety of employees at this time of year and can have serious, potentially life-threatening impacts on your health. Unfortunately, recovery… Read More »