Disability Insurance Attorney Helping Orlando Claimants

Disability Insurance Claims & Appeals in Florida

At Dabdoub Law Firm, our long-term disability insurance claim lawyers do one thing and we do it remarkably well: securing disability benefits from insurance companies on behalf of our clients. Our dedicated team of Orlando disability insurance attorneys is committed to providing effective legal representation and guidance to help claimants navigate the often-confusing process of securing disability benefits. Our intentional focus on this one area of the law has refined our skills and abilities throughout the years. Today, we help people in Orlando and beyond with even the most complicated disability insurance claims.

We can help you in a variety of ways, such as:

• Filing a disability claim
• Appealing a claim denial
• Negotiating settlements
• Filing a lawsuit for deserved benefits

Regardless of your medical condition or insurance provider, our firm has the experience, resources, and skill to effectively and aggressively advocate for you. Our only goal is to secure the full, fair benefits you are owed.

Give us a call at (800) 969-0488 or contact us online to get started with a free consultation.

Expertise in Handling Disability Insurance Matters

With years of experience in disability insurance law, our attorneys have the knowledge and expertise to handle a wide range of cases. Whether you are applying for disability benefits, appealing a denied claim, or need assistance with a lawsuit against your insurance company, we are here to help.

Our Orlando long-term disability insurance lawyers specializes in:

• Disability Insurance Claims: We assist clients in filing initial disability insurance claims, ensuring that all necessary documentation is completed accurately and thoroughly. We work closely with medical professionals, gather relevant evidence, and advocate for our clients' rights to maximize the chances of a successful claim.
• Claim Denials and Appeals: If your disability insurance claim has been denied, don't give up hope. Our Orlando long-term disability attorneys have extensive experience in handling claim denials and can assist you in filing an appeal. We meticulously review the denial letter, gather additional evidence, and present a compelling case to help you obtain the benefits you deserve.
• Bad Faith Insurance Practices: Insurance companies have a legal obligation to act in good faith when handling disability claims. If you suspect that your insurance company is engaging in unfair practices, such as unreasonably delaying or denying your claim, our attorneys can help. We hold insurance companies accountable for their actions and fight for your rights as a policyholder.
• Litigation and Lawsuits: In some cases, litigation may be necessary to resolve a disability insurance claim dispute. Our skilled disability insurance attorneys in Orlando have extensive courtroom experience and can represent you throughout the litigation process. We are prepared to fight aggressively for your rights in court and pursue the compensation you deserve.

Orlando Disability Insurance Claims

Most people living in Orlando who have disability coverage are provided that coverage through their employment. Due to its central location in Florida, Orlando has become a hot spot for vacationers and tourists all around the world. In response to its year-round appeal, employers and commercial industries of all sorts have also taken root there.

According to recent employment research from the Florida Department of Labor and Employment, some of the largest employers in Orlando are Walt Disney World, Orange County public schools, offices belonging to the state government, and Adventist Health System. As with most any employers of these natures, long-term and short-term disability coverage are provided to most employees due to federal rules established in ERISA law.

If you are privately employed in Orlando, perhaps as a small business owner or medical provider, then you may have disability coverage through privately or individually purchased insurance policies. Such policies are made available through major insurance companies, like MetLife, UNUM, and Prudential. People who are covered through private insurance plans need to foot the bill themselves, but generally gain noticeable, additional coverage benefits as a result.

Whether you are self-employed or working for one of the large-scale employers in Orlando, your disability insurance claims are likely to be filed in a federal court. In particular, you are likely to file your claim at the George C. Young Federal Annex Courthouse on West Central Boulevard, which belongs to the Middle District of Florida.

As a law firm dedicated to assisting and representing the good people of Orlando who need to file a disability insurance claim, there is nothing about your claim that can surprise us. Throughout our years of legal experience, we have interacted with every major insurance company in Florida and the rest of the country. We know what tactics they use to try to deny or delay claims—and we know how to counter them. To date, our attorneys have recovered millions of dollars in benefits for disability insurance claimants in Orlando, throughout Florida, and nationwide.

Put a Proven Legal Team on Your Side

Navigating disability insurance law is complex and takes considerable skill and know-how. It is important that you not only find an attorney to guide you through this process but also that you find the right attorney, one who knows the ins and outs of the disability insurance system. For the people of Orlando, finding a reliable, experienced disability attorney is as simple as reaching out to Dabdoub Law Firm.

By letting our legal team take the lead in your disability claim, you can benefit from:

• Expertise in Disability Law: Our firm specializes in disability insurance law, which is a complex and ever-changing field. We have in-depth knowledge of federal and state disability laws, regulations, and even appeals processes.
• Representation at Hearings and Appeals: If your disability claim is denied, we can represent you at hearings and appeals. Our team understands the administrative and legal procedures involved and can present your case before an administrative law judge or appeals board.
• Personalized Legal Advice: Our team can provide you with personalized legal advice tailored to your unique situation. We never use premanufactured case strategies because that’s not what we’d expect from our legal counsel if the situation was reversed.
• Reducing Stress: Dealing with disability claims can be emotionally and mentally taxing. Having a lawyer handle the paperwork, communications with insurance companies, and other administrative tasks can significantly reduce your stress and allow you to focus on your health and well-being.

At Dabdoub Law Firm, we devote 100% of our practice to disability insurance law cases for claimants, never representing insurance companies or corporations. Our attorneys have decades of experience filing initial claims, appealing denied claims, reversing early termination of benefits, and negotiating favorable lump-sum payments from insurance providers on behalf of our clients in Orlando and throughout the nation. We understand the challenges you are facing, and we know how to go up against all major insurance companies to demand the benefits you rightfully deserve. We are not afraid to take your case to trial and have a longstanding history of winning lawsuits in federal court.

Most disability insurance claims fall under federal ERISA regulations. As such, you do not need an attorney who is physically located in Florida to work on your case. That being said, although we serve clients nationwide, we make it our mission to remain up to date on the latest legal developments that may affect your disability insurance claim in Orlando, Florida.

To learn how our firm can help you with your disability case, please call us at (800) 969-0488 or submit an online request form. Your initial consultation is free!

FAQs About Disability Insurance Claims in Orlando, FL

What types of disability insurance policies are available in Orlando, Florida?

In Orlando, individuals typically have access to two primary types of disability insurance policies: individual disability policies and group disability policies. Individual disability policies are purchased personally and are not tied to employment, meaning benefits are generally not taxable. Group disability policies are often provided through employers and may fall under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA-governed policies have specific procedures and deadlines for filing claims and appeals.

How does ERISA impact my disability insurance claim in Florida?

ERISA is a federal law that sets standards for most employee benefit welfare plans, including many employer-provided disability insurance plans. If your disability insurance policy is governed by ERISA, there are specific steps you must follow before you can file a lawsuit, such as mandatory internal appeals to the insurance company. Understanding ERISA's requirements is essential, as failing to adhere to them can result in losing your right to pursue short-term and long-term disability benefits. Consulting with an attorney experienced in ERISA law can help ensure compliance with these regulations.

What should I do if my disability insurance claim is denied in Orlando?

If your long-term disability insurance claim is denied, it's important to act promptly. Under ERISA-governed policies, you typically have 180 days to file an appeal after a denial. During the appeal, you can submit additional evidence to support your claim. If the appeal is unsuccessful, you may have the option to file a lawsuit. There are contractual and state limitations on when a lawsuit must be filed.  Given the complexities involved, especially under ERISA, seeking legal assistance from an experienced long-term disability insurance attorney in Orlando can be beneficial to navigate the appeals process effectively.

Can I work in another occupation while receiving long-term disability benefits in Florida?

Whether you can work in another occupation while receiving long-term disability benefits depends on the terms of your disability insurance policy. Some policies define "total disability" as the inability to perform the duties of your specific occupation, allowing you to work in a different field without affecting your benefits. Others may reduce or terminate benefits if you engage in any gainful employment. You must review your policy's specific language to understand any restrictions or conditions related to employment during the long-term disability benefit period.

What role does my physician play in my disability claim?

Your physician's role is critical in substantiating your long-term disability claim. They provide medical records and statements that detail your condition, treatment plan, and how the disability affects your ability to work. Comprehensive and accurate documentation from your healthcare provider can significantly influence the approval of your claim. You need to maintain open communication with your physician to ensure all necessary information is provided to the insurance company.

Are mental health conditions covered under disability insurance policies in Florida?

Mental health conditions are typically covered under long-term disability insurance policies; however, coverage may vary. Some policies have specific limitations or exclusions for mental health-related disabilities. Most commonly, mental health conditions have a limited pay period of 24 months.  Additionally, proving disability due to mental health conditions can be challenging, as insurers may require more frequent and substantial evidence.