Florida Long-Term Disability Benefits For Lawyers: Common Issues When Filing LTD Claims
As a legal professional, your years of experience and dedication to clients are among your most valuable assets. However, long hours and the demanding nature of the job can take a heavy toll, leaving you vulnerable to injuries, illnesses, or chronic conditions that impact your ability to work.
Long-term disability (LTD) benefits help offset financial losses when your condition prevents you from working for a year or longer. Our Jacksonville long-term disability lawyer explores the types of LTD coverage available to lawyers in Florida and common issues in filing claims.
Long-Term Disability Benefits for Lawyers In Florida
Lawyers dedicate long hours to their work, handle heavy case files, and deal with high stress situations. This can take a serious toll on your physical and emotional health. When accidents, illnesses, or chronic health conditions happen, long-term disability benefits provide peace of mind and offset lost income.
LTD insurance in Florida offers tailored coverage and benefits for lawyers. It often includes:
- Own-occupation coverage, qualifying for benefits if you cannot practice law, regardless of whether you can work in another capacity.
- Partial disability benefits, supplementing lost earnings if you can work part-time but not at full capacity;
- Specialized riders covering specific conditions or circumstances, such as substance abuse or acts of violence;
- Claims for mental health conditions such as anxiety, depression, or burnout, which the National Institutes of Health warns are common among legal professionals.
Long-term disability insurance protects your financial security if you cannot practice law. In addition to private or group coverage, you may be able to claim benefits through the Social Security Administration. However, getting your claim approved can be challenging.
Common Issues Lawyers Face When Filing LTD Claims
As a legal professional, you fight to protect the rights of your clients, but your legal expertise may be of little help when long-term disabilities prevent you from working. Unfortunately, roadblocks often arise when dealing with insurers, and they can prevent you from getting the benefits you deserve. Among the most common issues lawyers in Florida face in LTD claims include:
- Ambiguous policy language that leads to conflicts over coverage eligibility;
- Disputes over whether you have a covered condition;
- Repetitive requests for medical evidence and denying claims due to insufficient documentation;
- Claiming that you can work in another field or perform lighter duties;
- Delays in processing claims, preventing you from getting prompt payment;
- Denying benefits without valid justification.
Contact Our Experienced Florida Long-Term Disability Lawyer Today
Lawyers work long hours and have a high-stress job, putting them at increased risk for injuries, illnesses, and chronic health conditions. When these prevent you from practicing law for a year or longer, long-term disability benefits in Florida can help offset your losses.
During this challenging time in your life, the Farrell Law Firm acts as a strong ally on your side. We fight to protect your rights and help you get the LTD benefits you are entitled to. Give us a call or contact our Orlando or Jacksonville office. Schedule a consultation today with our experienced Florida long-term disability lawyer.
Sources:
pmc.ncbi.nlm.nih.gov/articles/PMC10281412/
ssa.gov/disability