The purpose of any type of insurance is to provide financial help if something unexpected happens, for example, a car accident or a sudden illness. Insurance should give covered individuals peace of mind. However, far too often, people who have insurance don’t receive the benefits they are entitled to receive under their policy. Having a long term disability claim denied can impact nearly all aspects of someone’s life. If you are pursuing a long term disability claim or have questions about your rights regarding your policy, reach out to a long term disability attorney near Chicago today.
Specific policy provisions vary; however, there are some important categories of information that can be found in all long-term disability policies. Your LTD policy will explain what definition of disability you need to meet to receive benefits. It will also provide information about your benefits, including:
Your policy will also detail what limitations, if any, apply to benefits under the policy. Benefit limitations may prevent you from receiving certain benefits or restrict the amount of time you are eligible to receive them. For example, it’s common for LTD policy limitations include limitations for:
If you find the language in your policy confusing and full of legal and medical jargon, you’re not alone. A long term disability attorney near Chicago can review your policy with you to ensure you understand it and obtain all you are entitled to.
Most long and short term disability, life, health, and long-term care policies, as well as pension benefits, available through your employer, are covered by the Employee Retirement Income Security Act (ERISA). This federal statute typically supersedes state laws in place to protect consumers and creates substantial obstacles for claimants seeking the benefits they were promised. Seasoned long term disability lawyers near Chicago understand how to interpret ERISA statutes, the applicable Department of Labor Regulations, pertinent plan documents, and the case law of the federal courts to protect your rights to benefits.
Keep in mind that if you purchased a long-term disability, short-term disability, life insurance, a long-term care insurance policy on your own, or you work for the government or a church-related organization, then ERISA doesn’t generally apply. The state laws designed to protect insured individuals can be used in securing your benefits. No matter the specific type of disability policy you have, a knowledgeable Long term disability lawyer near Chicago can work to secure your benefits.
Whether you are gathering information so you can file a claim or have received a denial for long term disability benefits, you need a long term disability lawyer near Chicago on your side. If your claim has been denied, there’s a limited amount of time to appeal the decision, so it’s essential to get help as soon as possible. At Bartolic Law, we know how disconcerting it can be to need to file a long term disability claim, as well as the stress you may experience waiting for it to be approved. We work tirelessly to help ensure that you have the best chance possible to have your claim approved the first time. Contact us today to learn more about how we can help and schedule a no-obligation consultation.