Hiring An Attorney For Your Long Term Disability Claim

If you have a serious injury or a medical condition and can’t work, you probably need an experienced attorney to help you navigate the long-term disability process. And many employers in Washington, D.C. offer long-term disability as part of their employee benefits package, and many executives, doctors, and lawyers purchase their own disability policies to protect themselves in case of a serious illness or injury.

Many times, the process starts with applying for short term disability benefits, which usually have a term of about 14 weeks to six months. Typically these benefits are administered by a disability insurance company, using the companies‘s money to pay the actual benefits.

You Could Be Waiting Months To Receive Your Benefits

Long-term disability benefits typically have a waiting period, usually between three and six months. 

Because a successful short term or long term disability case will depend on analyzing the insurance policy and working with your doctors to make sure your limitations and restrictions prevent you from working fall within the policy terms and definitions, for many people, it helps to consult with a long-term disability attorney early in the process to make sure things are done right from the beginning.

Even after a serious injury or medical condition, many times someone will receive short term disability benefits and then be denied for long-term disability benefit. Or, they may receive long-term disability benefits for a period of time, and then the insurance company terminates their benefits. Both of these require you to file an appeal.

You Should Speak To An Experiended ERISA Disability Lawyer Quickly

The best time to talk to an experienced lawyer about your long-term disability appeal is right after you receive the letter denying your benefits. Under ERISA, the federal law that governs most long-term disability insurance policy cases, you have 180 days to file an appeal.

Our long-term disability appeals team will review your denial letter for free, in confidence, and with no obligation, to give you a plan on the next steps to take to put your appeal in the best position. If you need to appeal a denial of long-term disability benefits, you will need to research the law, analyze the medicine, and draft a persuasive appeal. Most of our appeals range from 20 pages to 100+ pages long with the additional exhibits and evidence we submit.

If you need to apply for long-term disability benefits or your benefits have been denied, this can be an overwhelming and stressful process, especially when you are dealing with a significant injury or medical condition. We help guide people through the disability process to stand up to the insurance company. Call us us today at 202-393-3320 or send your denial letter to [email protected] so we can get started helping you today.

Frank R. Kearney, Attorney-at-Law
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Experienced DC Workers' Comp, Long Term Disability & Accident Lawyer