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Discretionary Clause In Long Term Disability Insurance And How It Impacts Your Benefits

By Thomas Farrell |

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

FAQs About Employer-Provided Long-Term Disability Insurance Claim Denials

By Thomas Farrell |

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 »

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Five Important Documents Needed In Filing A Social Security Disability Claim

By Thomas Farrell |

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 »

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How A Functional Capacity Exam (FCE) Could Help Or Hurt Your Long-Term Disability Claim

By Thomas Farrell |

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 »

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Insurance Companies’ Tactics Used To Deny Long-Term Disability Claims

By Thomas Farrell |

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 »

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Four Primary Causes Of Long-Term Disability

By Thomas Farrell |

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 »

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Heat-Related Illnesses: Take Precautions To Reduce Long-Term Disability Risks In Florida Over Summer

By Thomas Farrell |

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 »

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Five Steps To Take Now If Denied Long-Term Disability Benefits

By Thomas Farrell |

Long-term disability benefits help protect your financial security if health conditions you suffer from prevent you from working. These may be available through an employer, a privately purchased policy, or the Social Security Administration. However, the application process is often challenging and denials are commonplace. Our Jacksonville long-term disability attorney explains the steps you… Read More »

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Researchers Are Finding Out More About COVID-19 Impacts That Can Cause Long-Term Disabilities

By Thomas Farrell |

With a general decline in COVID-19 case counts across the country, most of us are happy to be able to return to our former pre-pandemic activities. Sadly, there are some for whom the virus was a life changing event. In addition to people who lost loved ones, there are those who were afflicted with… Read More »

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What To Bring To A Consultation With A Florida Long Term Disability Attorney

By Thomas Farrell |

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… Read More »

Farrell Disability Law is located in Jacksonville, FL and serves clients throughout Florida, including Jacksonville Beach, Jacksonville, Atlantic Beach, Orange Park, Doctors Inlet, Neptune Beach, Callahan, Bryceville, Middleburg, Fernandina Beach, Clay County, Duval County and Nassau County.
Jacksonville

Jacksonville

2319 Oak Street
Jacksonville, Florida
32204
Phone: 904-388-8870 Primary: 904-388-8870 Fax: 904-339-9590
Jacksonville

Orlando

37 North Orange Avenue, Suite 548
Orlando, Florida 32801
Available By
Appointment
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