When Should I Hire A Long Term Disability Lawyer?

According to statistics from the Centers for Disease Control and Prevention (CDC), more than 60 million adults in the U.S. struggle with some type of disability. When these impact your ability to work or perform certain tasks required by your job, long term disability (LTD) insurance available through your employer may be able to help.

If accidental injuries, sudden illnesses, and chronic health conditions leave you unable to work for a year or longer, long term disability benefits can help supplement your lost income, enabling you to continue providing for your loved ones and meeting your monthly expenses. A common question clients ask is, “When should I hire a long-term disability lawyer?” While this will depend on your specific circumstances, we can help in the following situations:

When first applying for long term disability benefits:

Applying for long-term disability benefits can be a complex process. You will need to fill out the appropriate forms for your claim and submit it to the insurer with the proper information, including statements from doctors, medical records, and other documents. One little mistake or simply failing to elaborate enough about your condition could result in your claim either being denied or delayed. Hiring a long term disability lawyer at the beginning can help to prevent this.

When claims are delayed:

Filing for long-term disability benefits involves dealing with insurers. As for profit-businesses, they have a financial motive to avoid paying out on benefits. A common tactic is to delay your claim with excessive requests for documentation and other tactics. Our LTD benefit lawyer can call them on this type of behavior and help your claim get resolved in the quickest amount of time possible.

When benefits are denied:

Many LTD claims end up being denied at least once before they are finally approved. While the Employee Retirement Income Security Act of 1974 (ERISA) gives you the right to file an appeal, following the proper procedures and gathering the evidence needed is often a challenge. We can guide you throughout the process, filling out the appropriate forms, gathering evidence in your favor, and appearing at administrative hearings on your behalf.

Let Us Help You Today

To ensure you get the benefits you are entitled to when long term disabilities happen, get Farrell Disability Law on your side. Call or contact our Florida long-term disability lawyer online and request a consultation in our office today.

https://www.mydisabilitylaw.com/when-do-i-qualify-for-long-term-disability-ltd-benefits/

Accidental Injuries Are A Leading Cause of Long-Term Disabilities

According to statistics from the Centers For Disease Control and Prevention (CDC), accidental injuries are one of the leading causes of long-term disability in the United States. They can happen at home, when visiting friends or family members, or when out in public places. Among the most common ways accidental injuries happen include:

• Car and motorcycle accidents;
• Crashes and collisions involving bicyclists and pedestrians;
• Slips, falls, and getting struck by or against objects;
• Sports and recreational accidents.

Back, neck, or head injuries, injuries involving muscles, tendons, or other soft tissues, and spinal cord injuries are all common and can occur as a result of any of the above. In addition to the immediate impacts they have on your health, they can also result in long-term disabilities that impact your ability to work or engage in your favorite hobbies and activities for years to come.

Long-Term Disability Benefits For Accidental Injuries

When accidental injuries happen, you may be able to file a claim through insurance either you or others involved have in place. If the reckless actions of others involved is responsible, you may also be entitled to compensation in a personal injury claim.

While it is important for your financial recovery to explore the options available, do not overlook any long-term disability benefits available. You may be entitled to these through the following:

• Employer-provided long-term disability (LTD) insurance: Many employers provide LTD insurance to their employees as part of their overall compensation package. Review the terms of coverage to determine whether you are eligible for these payments. Under the Employee Retirement Income Security Act of 1974 (ERISA), your employer is required to provide a copy of all policy-related documents, free of charge and at your request.
• Through privately purchased LTD policies: Many people purchase LTD insurance through private policies, either as their primary coverage or to offset employer-provided benefits. Again, review the terms of coverage before submitting a claim to the insurer.
• Through the Social Security Administration (SSA): You may be entitled to Social Security disability benefits provided you have a qualifying condition and have earned enough work credits.

Let Us Help You Today

When accidental injuries leave you suffering long-term disabilities, you can count on Farrell Disability Law to help you get the benefits you deserve. Contact our Jacksonville long-term disability attorney to request a consultation in our office today.

https://www.mydisabilitylaw.com/when-do-i-qualify-for-long-term-disability-ltd-benefits/

Avoid SSDI Denials and Delays

Social Security Disability Insurance (SSDI) can provide you with income when chronic health conditions or accidental injuries leave you suffering long term disabilities. Unfortunately, filing an SSDI benefit claim is a complex and confusing process. It is easy to make mistakes that could result in your benefits being denied or delayed. The Social Security Administration (SSA) reports that this happens in nearly two thirds of the claims that are filed each year. To prevent this from occurring in your case, the following are seven common mistakes to avoid:

1. Not getting medical care for your condition.

Physical or mental health conditions must be documented by a doctor before you can become eligible for SSDI benefits. From the moment you begin experiencing symptoms,  it is important to get the appropriate diagnostic testing, treatment, and follow up care.

2. Not following your doctor’s instructions.

During treatment, your doctor will likely recommend certain tests, procedures, medications, and activity restrictions. Failing to follow any of these recommendations could result in your disability claim being denied.

3. Continuing to work or collecting unemployment.

To qualify for SSDI benefits, you must suffer a long term physical or mental health condition that keeps you from working and has lasted or is expected to last for a year or more. If you are still working or receive unemployment benefits, you are ineligible.

4. Failing to provide the needed information when filing your Social Security disability claim.

Not providing the proper information on your application or the appropriate documentation of your disability are leading causes of claim denials and delays.

5. Not checking the status of your claim or failing to respond to correspondence from the SSA.

Open any correspondence you receive from the SSA immediately and respond promptly. Failing to do so could cause you to miss important deadlines.

6. Ignoring deadlines for filing an SSD claims appeal.

If your disability benefits are denied, you need to speak with a Social Security disability attorney right away. Denials are common and can be overcome, but you only have a limited time for filing an appeal.

7. Not having an experienced Social Security disability attorney on your side.

Having an experienced Florida Social Security disability attorney on your side from the beginning can avoid denials or delays. It can also ensure your claim is resolved in the quickest and most effective manner possible.

Let Us Help You Today

At Farrell Disability Law, we provide the trusted legal guidance you need throughout the disability claims process. Let us help you get the benefits you are entitled to. Call or contact our Jacksonville Social Security disability attorney online and request a consultation in our office today.

Resources:

ssa.gov/policy/docs/statcomps/di_asr/2011/sect04.html

ssa.gov/planners/disability/qualify.html