Long-term disability benefits provide those who are unable to work due to illness or injury with income replacement and coverage for medical expenses and treatment.
Every policy is different but most require that a person endure a “qualifying period”, submit an application, update medical applications, and participate in treatment or rehabilitation. Letters from your long term disability insurer can often be unclear and contain ambiguous terms. We have thorough experience with these cases understanding of disability policies and interpretive case law. Also, statements provided earlier on to your insurer or employer can be crucial to your ongoing entitlement to benefits. If your application for long-term disability benefits has been denied or if your benefits have been terminated during a period of time where you are unable to return to work, call us now for a free consultation.