Category Archives: Jacksonville Long Term Disability Lawyer
How Substance Use Disorders Are Handled In Florida Long-Term Disability Determinations
Substance use disorders (SUDs) are medical conditions, not moral failings. Like other chronic health issues, they can severely impact a person’s ability to hold a job, maintain focus, or manage daily responsibilities. For those struggling with addiction in Fort Lauderdale, employer-provided long-term disability (LTD) insurance can be a critical financial lifeline. Our experienced Jacksonville… Read More »
Long-Term Disability Benefits In Florida: How They Coordinate With Workers’ Compensation
If you get hurt on the job in Florida and can’t work for a year or longer, you may be eligible for workers’ compensation benefits. However, you may also be entitled to payment through employer-provided long-term disability (LTD) coverage. Great, right? But then the paperwork starts piling up. The insurance adjuster says your LTD… Read More »
Common ERISA Mistakes That Can Cost You Your Long-Term Disability Benefits In Florida
When an illness or injury prevents you from working for a year or more, long-term disability (LTD) benefits can help you stay afloat and avoid financial disaster. If your policy is through your employer, it is subject to ERISA, the Employee Retirement Income Security Act. ERISA protects employee benefits, but when appealing dealing claims,… Read More »
ERISA: How It Affects Florida Employer-Provided Long-Term Disability Benefits
Employer-provided long-term disability helps protect your financial security if a disabling injury, severe illness, or ongoing health issue keeps you from working for more than a year. While these benefits may be included in your employee compensation package, getting a claim approved is often challenging. If you’ve filed a claim for long-term disability (LTD)… Read More »
ERISA Appeals For Denied Long-Term Disability Benefits: What Florida Claimants Need To Know
If your employer-provided long-term disability (LTD) benefits were denied, you’re likely frustrated and overwhelmed, and understandably so. These policies are subject to the Employee Retirement Income Security Act of 1974 (ERISA). This is a federal law that provides important protections. However, it also imposes strict deadlines and procedures that can make winning an appeal… Read More »
The Role Of Vocational Experts In Florida Social Security Disability Hearings
If you filed a Social Security Disability Insurance (SSDI) application only to have it denied, you’re not alone. While most claims get denied on the first try, you have the right to file an appeal. This requires appearing before an Administrative Law Judge (ALJ), during which a vocational expert (VE) will testify about your… Read More »
Can You File A Florida Long-Term Disability Claim While Still Employed?
Struggling with a disabling medical condition but still working? You can file a Florida long-term disability (LTD) claim now, particularly if your symptoms make it difficult or impossible to perform your job. However, employer-provided LTD policies often include complex requirements, and your choices can directly affect whether your claim is approved or denied. Our… Read More »
Getting Long-Term Disability Benefits In Florida? How Insurers Use Surveillance And What You Can Do About It
If you receive long-term disability (LTD) benefits in Florida, you might be surprised to learn that your insurance company could be monitoring your activities. LTD insurers have a vested interest in minimizing payouts and employ surveillance tactics to determine whether you’re still disabled and entitled to benefits. Surveillance can take many forms, ranging from… Read More »
How Short-Term Disability Affects Florida Long-Term Disability Claims
If you stopped working due to an illness or injury, the first line of defense in protecting yourself financially is often short-term disability (STD) benefits available through your employer. These benefits are intended to help cover lost income for a limited time, but what happens if you are still unable to return to work… Read More »
How Pre-Existing Conditions Affect Long-Term Disability Claims In Florida
Long-term disability (LTD) insurance protects your finances when injuries or illnesses prevent you from working. However, in cases involving pre-existing conditions, Florida insurers are quick to deny claims. If this has happened to you, our Jacksonville long-term disability lawyer is here to help. Find out how pre-existing clauses in Florida LTD policies work and… Read More »
