Category Archives: Jacksonville Long Term Disability Lawyer
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 »
How Florida Nurses And Healthcare Workers Can Fight Long-Term Disability Denials
Nursing is among the most physically and emotionally demanding professions in the country. Health care workers in general face high rates of musculoskeletal disorders, chronic illnesses, and other conditions that can impact their health and prevent them from working. Employer-provided long-term disability insurance helps protect against financial losses, but healthcare worker claims are often… Read More »
Paper Reviews Vs. Independent Medical Exams In Florida Long-Term Disability Claims
If you’ve filed a long-term disability (LTD) claim in Florida, you may expect the insurance company to evaluate your condition based on your doctor’s records. However, you may find your claim denied based on a review by someone who has never examined you, or after being sent to a doctor chosen by the insurer…. Read More »
When Your Hands Are Your Career: Own-Occupation Disability Claims For Florida Surgeons
A surgeon’s career and ability to operate are built on years of education, residency, and subspecialty training. When an injury or illness takes that away, even partially, the financial consequences can be devastating. Employer-provided long-term disability insurance is supposed to protect against that loss, but insurers routinely challenge surgeon claims. Our experienced Jacksonville long-term… Read More »
How A Job Description Can Cost You Your Florida Long-Term Disability Benefits
When a long-term illness or injury prevents you from doing your job, employer-provided long-term disability (LTD) insurance steps in. However, insurers often dispute claims and a common tool is the job description. Our experienced Jacksonville long-term disability lawyer explains the focus on occupation, what the insurer is really doing, and how to push back…. Read More »
Why Florida Dentists Lose Their Long-Term Disability Benefits
Dentistry is one of the most physically demanding professions in medicine. Florida dentists spend years in training to develop the precise manual dexterity, postural endurance, and fine motor control their work requires, and they spend entire careers putting those skills to use on tight schedules, in awkward positions, and under sustained physical stress. When… Read More »
Caught In The Middle: How To Handle Conflicting Medical Opinions In Fort Lauderdale Long-Term Disability Claims
If you’ve filed for long-term disability (LTD) benefits in Florida through your employer, your own doctor’s opinion isn’t the only one that matters. Insurers often bring in their own doctors or hire third-party “independent” reviewers to poke holes in your claim. When facing conflicting medical opinions, don’t panic, but don’t ignore the situation either…. Read More »
