Long term disability insurance is an essential safeguard for individuals who are unable to work for extended periods due to severe health conditions. This type of insurance provides crucial financial support during times when an individual is unable to earn an income due to disability. The Maddox Firm specializes in long term disability claims, offering comprehensive legal guidance to ensure our clients secure the benefits they are entitled to. Our firm is highly regarded, with top ratings across various platforms. We encourage prospective clients to read our reviews to gauge the level of service we provide. Our team, including experienced New Jersey and New York long term disability attorneys, extends its expertise to clients nationwide.

Long term disability insurance provides a financial safety net for individuals who cannot engage in their regular employment due to prolonged health issues. Typically, long term disability benefits begin after the expiration of short term disability benefits, covering a portion of the individual's salary. The duration of these benefits can range from a few years to up until retirement age, depending on the specifics of the policy. Qualifying for long term disability benefits usually involves demonstrating that the individual's medical condition significantly limits their ability to perform their occupational duties or any occupation, depending on the policy's terms.

Various conditions are covered under long term disability insurance, ranging from serious physical injuries and chronic illnesses to significant mental health issues. To obtain long term disability benefits, claimants must provide extensive evidence demonstrating their inability to perform their professional tasks or, as dictated by some policies, any occupational tasks.

Common Questions When Filing a Long Term Disability Claim
 

The process of filing a long term disability claim can prompt several questions, particularly regarding the combination of medical evidence, policy stipulations, and legal rights. At The Maddox Firm, we're prepared to clarify all your inquiries related to long term disability claims. Common questions include:

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• How is the long term disability benefit calculated?  Typically, your long term disability benefit will be calculated by taking your salary on your last day worked and multiplying it by a percentage.  Some long term disability plans average the last few years of salary, and some long term disability plans take into account bonuses.  The percentage comprising the benefit ranges from 50 to 80%.  Use our disability benefits calculator to figure out your benefit.

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• How often will I receive a long term disability benefit?  Usually, long term disability benefits are paid monthly.

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• Will my health insurance continue?  Health insurance typically continues as long as you are still an employee.  Here are some more details regarding what happens to health insurance when you go on short term disability.

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• Are there any other government benefits available?  Your state may also provide paid family and medical leave.  If it does, that payment typically reduces or “offsets” the short term disability benefit. In addition, you may be eligible for Social Security Disability Benefits. 

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• How does long term disability affect an accommodation under the Americans with Disabilities Act (ADA)?  The law is not clear as to whether you must prove disability from your unaccommodated occupation or your accommodated occupation.  You should be aware that your disability insurer may require you to be disabled from your accommodated occupation before paying long term disability benefits.

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• Can I work part-time while on short term disability?  Usually.  Most long term disability plans provide that you may receive a partial long term disability payment if you suffer a loss of income due to a disability.  That loss of income must usually be at least 20 to 25% of your pre-disability income.

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The Long Term Disability Claims Process
 

Successfully navigating a long term disability claim involves several detailed steps:

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1. Medical Evidence: Comprehensive medical documentation is essential, including detailed records from healthcare providers outlining your diagnosis, treatments, and how your condition limits your work capabilities.

2. Notification: Timely informing your employer and insurance provider about your condition is crucial. Adhering to your policy's notification requirements is vital for a successful claim.

3. Documentation: Assembling all relevant documentation is crucial, including exhaustive medical records and any additional evidence supporting your claim.

4. Submission: Accurately and thoroughly completing all required claim forms is essential for a successful claim process.

5. Follow-Up: Actively engaging in the claims process, including responding to additional information requests and monitoring your claim's progress, is essential.

 

Avoiding Common Pitfalls in Long Term Disability Claims

Several potential missteps can complicate or endanger a long term disability claim:

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• Not Engaging a Long Term Disability Lawyer: Expert legal guidance is invaluable in navigating the claims process, ensuring documentation accuracy, and advocating with the insurer.

• Delaying the Filing Process: Timeliness in filing is crucial to avoid complications or claim denials.

• Submitting Incomplete or Inaccurate Forms: Ensuring all claim forms are filled out correctly and completely is vital for the success of your claim.

• Providing Insufficient Medical Documentation: Robust medical evidence is essential to support your claim.

• Non-Adherence to Medical Advice: Following prescribed treatments and medical advice is crucial, as it signifies the seriousness of your condition.

• Inadequate Communication: Maintaining clear communication with your employer and insurer throughout the claims process is vital.

• Overlooking Policy Details: A thorough understanding of your long term disability policy is crucial for a successful claim.

• Ignoring Deadlines: Adherence to all claim-related deadlines is essential for the smooth processing of your claim.

• Underestimating Social Media's Impact: Be cautious of your online presence, as insurers may scrutinize your social media activity.

 

How The Maddox Firm Can Assist With Your Long Term Disability Claim

 

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