If you’re unable to work due to a medical condition or injury, long term disability (LTD) benefits can provide vital financial support. For many, these benefits serve as a lifeline, helping cover daily living expenses when income from work is no longer an option. However, navigating the complexities of filing or maintaining an LTD claim can be a daunting and frustrating process.
At Lebau & Neuworth, we specialize in helping clients secure the disability benefits they deserve. Our experienced attorneys are here to assist you at every step—from understanding your rights to challenging benefit denials.
What Are Long Term Disability Benefits?
Long term disability benefits typically provide a portion of your income if you’re unable to work for an extended period due to a qualifying medical condition. These benefits are often part of employer-sponsored insurance plans governed by the Employee Retirement Income Security Act (ERISA) or private insurance policies that you purchase directly.
Whether your disability is temporary or permanent, LTD benefits can help you manage ongoing financial needs, such as medical bills, housing costs, and caregiving expenses.
Short Term vs. Long Term Disability Benefits
While short term disability (STD) benefits help cover immediate income loss for initial recovery periods, LTD benefits extend coverage for prolonged conditions. Unlike STD benefits that typically last a few weeks or months, LTD benefits can last several years or even until retirement, depending on your policy.
Understanding the transition from STD to LTD benefits is crucial, and our legal team can help you manage this process smoothly.
Who Qualifies for Long Term Disability Benefits?
Eligibility for LTD benefits depends on various factors, including your medical condition, employment status, and insurance plan requirements.
Common Medical Conditions Covered
Long term disability benefits often cover a wide range of conditions, including but not limited to:
- Chronic illnesses (e.g., cancer, diabetes, multiple sclerosis)
- Mental health disorders (e.g., depression, anxiety, PTSD)
- Severe injuries from accidents
- Autoimmune diseases (e.g., lupus, rheumatoid arthritis)
- Neurological conditions (e.g., Parkinson’s disease, epilepsy)
If your condition prevents you from performing the essential duties of your job, you may be eligible for LTD benefits.
Employment & Plan Eligibility Requirements
Employer-sponsored LTD plans may have specific criteria, such as a minimum length of service or certain job classifications. Additionally, self-funded private policies may have unique eligibility rules. Ensuring you meet these requirements is critical to a successful claim.
Challenges People Face When Filing Claims
Unfortunately, many people encounter obstacles when applying for or maintaining LTD benefits. Common issues include:
- Denied Claims: Insurance companies may argue that your condition doesn’t meet their definition of disability.
- Lengthy Delays: Administrative backlogs or excessive requests for medical documentation can slow the process.
- Termination of Benefits: Insurers may attempt to cut off benefits prematurely by claiming your condition has improved.
- Complicated Paperwork: Filling out forms and providing evidence can be overwhelming without legal guidance.
At Lebau & Neuworth, we’re experienced in addressing these challenges and ensuring our clients’ claims are handled fairly.
How a Towson Long Term Disability Lawyer Can Help
Long term disability claims involve intricate legal and procedural requirements that can be hard to navigate alone. That’s where a skilled social security disability lawyer can make all the difference.
Legal Guidance During the Claims Process
Filing a successful claim requires comprehensive medical evidence, detailed documentation, and adherence to strict deadlines. Our attorneys will help you by:
- Reviewing your policy to understand its terms and conditions.
- Gathering and organizing medical records and supporting documentation.
- Ensuring all paperwork is accurately completed and submitted on time.
Appealing a Denied Disability Claim
If your claim has been denied, don’t lose hope. At Lebau & Neuworth, we have extensive experience appealing denials and will work tirelessly to have your benefits reinstated. The appeals process may include gathering additional evidence, negotiating with the insurer, or even pursuing litigation if necessary.
Why Choose Lebau & Neuworth
When it comes to long term disability claims, experience matters. Here’s why clients in Towson trust us to handle their cases:
- Proven Track Record: We’ve successfully resolved countless LTD claims, recovering millions for our clients.
- Focused Experience: Our firm specializes in employment and disability law, giving you a team with in-depth knowledge of ERISA and private policies.
- Personalized Service: We treat every case as unique, tailoring our approach to meet your specific needs.
- Trial Experience: If litigation becomes necessary, we’re prepared to represent you in court.
Your case deserves attention, care, and dedication. That’s exactly what we provide at Lebau & Neuworth.
What to Do If You’ve Been Denied
A denied LTD claim can feel like the end of the road, but it doesn’t have to be. Taking the right steps quickly can improve your chances of reversing the denial.
Time-Sensitive Steps to Take
- Understand the Denial: Carefully review the denial letter to determine the insurer’s reason for rejecting your claim.
- Gather Supporting Evidence: Collect additional documentation, such as updated medical records or statements from your healthcare providers.
- Contact a Lawyer Right Away: Time is critical when appealing a denial. Your lawyer will ensure you meet all deadlines and build a strong case.
You should contact a disability lawyer as soon as you experience difficulties with your claim, whether it’s a denial, delay, or termination of benefits. The earlier you involve an attorney, the better your chances of a positive outcome.
Contact a Towson Long Term Disability Lawyer Today
When you’re dealing with a long term disability claim, having the right legal support can make all the difference. At Lebau & Neuworth, we’re dedicated to advocating for our clients’ rights and ensuring they receive the benefits they’ve earned.
Call us today at (410) 296-3030 or visit our contact page to schedule your free consultation.
Whether you’re filing a new claim, appealing a denial, or dealing with uncooperative insurers, we’re here to help. Don’t wait—reach out today to get the trusted assistance you need to move forward.
Frequently Asked Questions
How long does a long term disability claim take to process?
The timeline varies depending on your insurer and the complexity of your case. Initial claims may take months to process, while appeals can add additional time.
Can I work while receiving long-term disability?
It depends on your policy. Some plans allow limited work if your income stays below a certain threshold. Consult with your attorney to understand your policy’s terms.
What if my condition worsens over time?
If your medical condition deteriorates, you may be eligible for an increase in benefits. Notify your insurer immediately and provide updated medical records.
Will I need to go to court to get benefits?
Not all cases require litigation. Many LTD claims are resolved through negotiations or administrative appeals. However, if court action is necessary, our attorneys are ready to represent you.
