When To Consult With A Long Term Disability Attorney And What To Bring With You
Long term disability (LTD) benefits provide a safety net if you are unable to work. Whether provided through your employer, a privately purchased policy, or the Social Security Administration (SSA), they help you provide for yourself and your loved ones by offsetting lost wages you suffer. Unfortunately, despite being entitled to these benefits, obtaining them can still prove a hassle. Find out when you may want to consult a Florida long term disability attorney and what to bring to your appointment.
When To Get Help From A Long Term Disability Attorney
According to the Social Security Administration (SSA), roughly one out of every four current 20-year-olds will become disabled before reaching retirement age. That is a shocking statistic and emphasizes the importance of having disability insurance in place. You may be eligible for a group policy provided by your employer or can purchase a private policy. You may also be entitled to LTD benefits through Social Security, provided you have a qualifying condition and have earned enough work credits.
With all of these options, problems can and do arise. Situations in which you may want to consult with a long term disability attorney in Florida include:
- Your claim is denied: This may be due to your condition, a lack of proper documentation, failure to fill out the appropriate forms, or errors in benefit administration.
- Your claim is delayed: Whether dealing with long term disability insurance or the SSA, there are time limits they must adhere to in processing your claim. Unfortunately, lengthy delays can still happen and can create serious financial insecurity for you and your family.
- Your claim is disputed: The SSA or insurer may not outright deny your claim but instead dispute your condition. Requiring multiple medical opinions and demands for excessive paperwork are common tactics.
What To Bring To A Consultation
According to the Bureau of Labor Statistics (BLS), more than half of all workers have access to employer-provided disability benefits. Those who do not may be eligible through private policies or the Social Security Administration (SSA). Hiring a long term disability attorney to help with your claim can provide big benefits and generally costs nothing up front. Things to bring to an initial consultation include:
- A copy of your filed claim;
- A copy of any insurance policies in place;
- Any medical records you have;
- Statements from providers and receipts for services;
- A journal detailing the ways your disability impacts other areas of your life.
We can help in collecting medical records and other items. If you have not already done so, we encourage you to begin assembling a folder with receipts and a disability journal now.
Contact Us Today for Help
Farrell Disability Law is dedicated to helping clients get the benefits they deserve. To discuss how we can assist you, contact our Orlando long term disability attorney and request a consultation in our office today.