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Understanding Long-Term Disability Benefits and Claims
If you have a disability, it can be difficult to know where to turn. Long-term disability insurance coverage pays a disabled individual a percentage of their pre-disability income and may afford you the financial help you need to meet your daily living expenses.
Long-term disability insurance is most commonly offered to employees through their employer's group insurance program, or it can be purchased on an individual basis outside of the scope of your employment. It provides coverage in the event you are unable to work as a result of your disability.
At Martin Banks, we help clients with their long-term disability insurance claims. From our offices in Philadelphia, we help clients in Pennsylvania, Delaware, New Jersey, New York and Maryland. To discuss your disability with a Philadelphia long-term disability attorney, contact our law firm online for a FREE initial consultation.
Your Insurance Policy Is Key
If you have long-term disability coverage, your policy will dictate many aspects of your insurance claim. It is important for you to obtain a copy of your long-term disability group insurance plan or individual policy. Every plan and policy is different and can provide vital information about the scope of your coverage and the timelines for benefits.
Handling Federal and State Long-Term Disability Insurance Claims
If you obtained long-term disability insurance through your employer, your claim will most likely be governed by a complex set of federal laws known as the Employee Retirement Income Security Act of 1974 (ERISA). ERISA imposes strict guidelines for the filing and processing of your disability claim.
If you purchased your coverage apart from an employer, our attorneys can help you bring a breach of contract claim against your insurer under state law. You paid for your benefits and we will work to secure the coverage you are entitled to under your policy.
It is imperative that you consult with an attorney regarding your long-term disability claim. Our firm can assist you at any point in the process, from application for benefits, to the administrative appeals process, and in litigation.
Contact Our Pennsylvania ERISA Claim Attorneys
To discuss your long-term disability claim, contact our Pennsylvania ERISA claim lawyers. There are no attorney fees unless we win your case.
