What To Bring To A Consultation With A Florida Long Term Disability Attorney
If you suffer a condition that results in long-term disabilities, you may be entitled to benefits through your employer or through private long-term disability (LTD) insurance policies. Unfortunately, filing a claim is a complicated process. To protect yourself and to get the maximum amount of benefits you are entitled to, consult with our Florida long-term disability attorney. Find out how we can help and what to bring to your consultation.
The Benefits of Having An Experienced Florida Long-Term Disability Attorney On Your Side
According to the Bureau of Labor Statistics (BLS), more than a third of all workers have long-term disability (LTD) insurance included as part of their employee benefits. If these are not included as part of your compensation package, you may want to consider coverage through a private insurer.
Long-term disability benefits reimburse up to two-thirds of your wages if you are unable to work for a year or longer. However, after paying the high costs of premiums, it can come as a shock to file a claim only to have your benefits delayed or denied. Having a long-term disability attorney on your side can help prevent this from happening. Actions we can take on your behalf include:
- Thoroughly review the terms of your policy, explaining your benefits and whether your condition is covered;
- Make sure you have all medical records and other supporting documents needed to file a claim;
- Reviewing your claim prior to filing, making sure it is free of errors that could cause delays or denials;
- Reviewing correspondence from the insurance and responding on your behalf;
- Filing an appeal in the event your claim is denied.
What To Bring To Your Consultation
No matter where you are in the claims process, having an experienced long-term disability attorney on your side can help. We protect your rights when dealing with insurance companies, helping you get the maximum amount of benefits in the shortest amount of time possible. Here is what to bring to your consultation:
- A copy of your long-term disability policy: Under the Employee Retirement Income Security Act (ERISA), your employer is required to provide you with all policy-related documents, free of charge and at your request.
- Copies of relevant medical information: This includes a statement from your doctor regarding your disabilities and records pertaining to any diagnostic testing or treatment you have undergone.
- Information about your job: Include recent paystubs.
- A disability journal: If you do not already have one, begin keeping a journal now. This can be used to help illustrate the impact your disability has on other areas of your life.
- Any information filed with the insurer: This includes a copy of your completed claim if you have one, and any correspondence you have received in return.
Request A Consultation With Our Florida Long-Term Disability Attorney Today
At Farrell Disability Law, we protect you in dealing with insurers and help you get the disability benefits you deserve. To request a consultation in our office, call or contact our Jacksonville long-term disability attorney online today.
Source:
bls.gov/opub/ted/2018/employee-access-to-disability-insurance-plans.htm#:~:text=In%202018%2C%2042%20percent%20of,percent%20to%20long%2Dterm%20benefits.
