Category Archives: Jacksonville Long Term Disability Lawyer
Filing A Florida Long-Term Disability Claim? What You Need To Know About The Independent Medical Exam
If you are filing for long-term disability (LTD) benefits in Florida through your employer, you may need to attend an independent medical exam, commonly called an IME. While this sounds like something that might help, the reality is more complicated. These exams are requested by your insurer, paid for by your insurer, and often… Read More »
What Florida Workers With Mental Health Conditions Need To Know About Long-Term Disability Policies
If you get long-term disability (LTD) insurance through your Florida employer, you assume your coverage works the same, regardless of what condition prevents you from working. Unfortunately, that’s not the case. Mental health conditions are treated differently under most LTD policies. Our experienced Jacksonville long-term disability lawyer explains what the fine print actually says… Read More »
How A Merger, Acquisition, Or Layoff Impacts Your Florida Long-Term Disability Benefits
You spent years working for a Florida company, paid into your benefits plan, and assumed your long-term disability (LTD) coverage would be there if you needed it. Then came a merger, an acquisition, or a round of layoffs, and now you’re not sure what happens next. If you’re dealing with a disabling condition on… Read More »
What “Totally Disabled” Actually Means In Your Florida Long-Term Disability Policy
If you are filing for long-term disability benefits in Florida through your employer, you may assume that having a serious medical condition and being unable to work is enough to qualify. However, in most cases, it is not that simple. Whether you receive benefits depends heavily on how your policy defines the words “totally… Read More »
Five Common Mistakes Doctors Make That Can Result In Denied Long-Term Disability Benefits In Florida
Doctors spend years training to assess complex medical situations. However, when it comes to their own long-term disability claims, that clinical confidence can become a liability. Physicians are among the most likely professionals to make preventable mistakes when filing for disability benefits, and those mistakes can cost them months or years of income replacement… Read More »
Your Florida Long-Term Disability Claim Was Denied For A Pre-Existing Condition. Now What?
Receiving a long-term disability denial letter is stressful under any circumstances. When the denial is based on a pre-existing condition, it can feel even more discouraging, especially if you believe your current condition has little to do with your medical history. The good news is that many denials based on pre-existing conditions are successfully… Read More »
Can A Florida Employer Cancel Your Long-Term Disability Coverage?
If you receive long-term disability insurance through your job, you count on that coverage to be there when you need it. Unfortunately, this is often not the case. Florida employers can cancel or change your LTD policy under certain circumstances, with little notice. It’s a frustrating situation and can put both your health and… Read More »
Can Other Income Reduce Your Florida Long-Term Disability Benefits?
If you are receiving employer-provided long-term disability (LTD) benefits, you may assume that any additional income you receive on top of those payments is yours to keep. Unfortunately, that assumption can be costly. Most LTD policies contain offset provisions that allow the insurer to reduce your monthly benefit dollar-for-dollar based on income from other… Read More »
Understanding How ERISA Applies To Long-Term Disability Claims In Florida
If your employer provides long-term disability coverage, you may think that a disabling condition is all it takes to start receiving benefits. Unfortunately, the reality is far more complicated. Insurers frequently denied claims, and the Employee Retirement Income Security Act (ERISA) governs the appeals process. Understanding how ERISA applies to disability claims is important… Read More »
Florida Social Security Disability Claims: Should I See A Specialist?
When a serious health condition prevents you from working, filing for Social Security disability may be one of the most important financial steps you can take. Unfortunately, even if you meet the eligibility requirements, getting benefits is harder than most people expect. The Social Security Administration (SSA) denies nearly two-thirds of all initial disability… Read More »
