Disability Insurance - Resources
Understanding the terms of your disability policy and your rights under the law is very important if you have a claim for disability benefits. Insurance companies know the law and how to protect themselves, and so should you. In order to receive disability benefits, you must meet the definition of disability in the policy. This usually means you must be unable to perform the “material and substantial” duties of your occupation. Generally, you must prove disability from your own occupation for the first 24 months. After 24 months, you must be disabled from any occupation.
Some disability policies are specific to your own occupation. This means you may still qualify for disability benefits after 24 months even if you are able to work in another job. These policies are often purchased by physicians, CPAs, lawyers or the self-employed.
Our disability attorneys have experience representing disabled clients across the nation.
If you have suffered a disability and can no longer work, we can help. We can help with the initial claim application, the appeal of a wrongful denial, and a lawsuit in state or federal court. We have experience with Aetna, Liberty Mutual, The Hartford, UNUM, CIGNA/LINA, The Standard, Lincoln Financial and more. Call our firm today for a free case evaluation.
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We have years of experience helping people who get their long term disability benefits from their employer or from an insurance company. We can review your disability claim. We can also file an appeal if it was denied improperly or a lawsuit in state or federal court.
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