Long-term disability (LTD) insurance exists to replace your lost wages and give you peace of mind when you are disabled and unable to work. You or your employer each pay insurance premiums so that you will be paid disability benefits if you ever have difficulty working because of an injury or disability. This payment can be extremely important for you and your family, particularly if you do not have any other form of income.
Unfortunately, insurance companies can make it difficult to access these benefits and often reject valid applications, despite clear evidence of an injury or disability.
We understand that the physical pain and emotional trauma associated with a long-term disability is difficult and formidable—you don’t need the additional burden of worrying about whether your claim will be denied or if your payments will be reduced or cut off.
You should not be discouraged if this happens to you. It can be very helpful to have someone who understands this area of law on your side. There are ways to fight for your contractual right to disability benefits. We are passionate about helping people access the benefits that they are entitled to receive, and we can guide clients through all stages of this process.
For a free, no-risk case assessment, give us a call. We work on a contingency fee basis, which means there are no fees until you get a settlement or you win a judgment in court. In most cases, our service exceeds our clients’ expectations. Visit How We Work to learn more.