Securing Your Disability Rights Nationwide

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Dabdoub Law Firm

5.0

Over 200 5-Star Reviews

Awards & Accolades
  • Best Lawyers 2024
  • Super Lawyers 2024
  • Best Law Firms 2024
  • Selected to Super Lawyers 2023
  • Martindale-Hubbell Client Champion

    Serving Virginia and beyond Long Term Disability Lawyer Virginia

    A long-lasting or permanent disability can result in immense stress for affected individuals and their families. The purpose of long-term disability benefits is to provide much-needed support. However, securing these benefits—even when they are rightfully owed—can be challenging.

    At Dabdoub Law Firm, we provide dedicated legal guidance for individuals navigating the complexities of long-term disability claims. Our experienced long-term disability attorneys are here to ensure that you are not alone during this challenging time. We work diligently to protect your interests, aiming to secure the benefits you need to sustain your quality of life. With Dabdoub Law Firm, you gain a partner committed to advocating on your behalf, simplifying the process, and aiming for a favorable outcome.

    To learn how our long-term disability lawyers can assist with your claim, reach out to Dabdoub Law Firm at (800) 969-0488 today.

    Virginia Long Term Disability
    Call for More Information Today!
    800-969-0488
    Client Reviews
    • K
      "Successful Approval and Reinstatement"
      Thankful for their diligence and expertise on my LTD appeal.
      Kathleen Ross
    • J
      "Best choice of your life!"
      Nina is a very talented creative piece of work.
      John Block
    • M
      "Wonderful Service from Dabdoub Law Firm"
      Kevin and the Dabdoub law firm were able to settle my long term disability case.
      MALISHA MORTON
    • A
      "Case Won in Record Time"
      Emily Quirino was so calm and reassuring, my case was won in record time, highly recommended.
      Anna Collins
    • T
      "Grateful for Dabdoub Law's Expertise"
      Their honesty, expertise, and commitment to justice are truly invaluable.
      Trevor Primo
    • S
      "Nina's Phenomenal Appeal Letter"
      Nina’s appeal letter was phenomenal and resulted in my insurance company overturning its denial.
      Sharon
    • s
      "Highly Recommend Nina!"
      Nina was fantastic for my long-term disability case.
      stephanie Dalberg
    • C
      "Happy I chose Dabdoub Law Firm"
      They were kind and patient with me and answered all of my questions.
      Charlyn Ramirez
    • M
      "Highly Recommend This Law Firm"
      Highly experienced, knowledgeable and compassionate.
      Michele ONeill
    • H
      "Great Experience with Dabdoub Law Firm"
      Kevin Probst assisted me in winning my long term disability appeal finally.
      Heather Carr
    • J
      "Very Professional and Expensive"
      They were fantastic, very professional, and look at winning my case from all possible directions.
      Jonathan Farkas
    • T
      "Highly recommend Attorney Geannina Burgos"
      She won my case and had my benefits reinstated.
      T Vak
    • J
      "Restored My Monthly Payments"
      Ms. Parker and her assistants were always kind and quick to respond.
      Jeanette Wolff
    • R
      "Fair Settlement Achieved"
      Nina is very good at navigating a very complex process.
      Robyn Hess
    • C
      "Highly Compassionate and Competent"
      Their knowledge of navigating the world of disability is vast.
      Candace Carlson
    • S
      "A Great Team on Your Side"
      Kevin and the office staff are professional, courteous, and caring when you are not feeling well.
      SS SS
    • C
      "They Got Me Remedy with My LTD Case"
      They still got me remedy with my LTD case.
      Copelon Kirklin
    • P
      "Life Changer"
      They not only walked me through the process but won the case for me.
      PM
    • M
      "Professional and Compassionate Service"
      Emily and Janiece were professional, compassionate, and efficient.
      Michele Mays
    • B
      "Best Christmas Present Ever"
      Geannina Andrea Burgos helped me get my benefits back in less than 2 months.
      Brenda Ortiz-Boxdale
    • J
      "Reinstated My Husband's Disability"
      They definitely got the job done and reinstated my husband's disability.
      Jennifer Thompson
    • D
      "Her Team Was Always on Top"
      She was my guardian angel, her team was always on top of my health progress.
      Danilo MARTINEZ
    • J
      "Benefits Reinstated with Kevin's Help"
      If it hadn't been for Kevin, I would not have gotten any money.
      Jerome Gonzales
    • D
      "Kevin Schaefer delivers results"
      Kevin Schaefer has been an absolute pleasure to work with.
      Dustin L
    • g
      "They Fought Hard to Get Me a Win"
      They fought hard to get me a win.
      gaming with the fam
    • M
      "Great Law Firm to Work With"
      Prompt and professional. Great law firm to work with.
      Mike A
    • J
      "Fortunate Is an Understatement"
      Eddie is one of the most knowledgeable attorneys in this field that we have ever had the pleasure to speak with and come to know.
      Jeanne Burton
    • E
      "Kevin Schaefer: Empathetic and Caring"
      Kevin Schaefer was so professional and kind with me. He is not your average attorney.
      Elisabeth n
    • J
      "Dabdoub Law Firm Restored My Benefits"
      Dabdoub Law Firm is the best Long-Term Disability Firm in the USA.
      James Bond
    • A
      "Successfully resolved my case quickly"
      They are knowledgeable and efficient.
      Audrey Smith
    Successful Approval and Reinstatement
    I am most thankful to Dabdoub Law Firm for their diligence and expertise on my LTD appeal and successful approval and reinstatement of disability claim. I could not have done this without their assistance.
    Kathleen Ross
    Best choice of your life!
    I wish I could give 10 stars!! When I tell you the best ever, I mean it. Nina is a very talented creative piece of work. The insurance company tried to deny me and she fought back with such strong technique. She’s extremely educated in the law of disability. My doctor did not want to assist me or support my application. But having such a strong, amazing lawyer, such as Nina, I had no worries throughout the process, she always contacted you when you reached out. She was always there to assist you. She knows how to give enough information without giving too much information out. These insurance companies play extremely sneaky games and Nina was able to assist on my behalf. Please use Dabdoub Law Firm to assist you with your long-term disability claim if you do not know what you are doing, and please do not fight alone. It is extremely worth it. Also, her assistant Sonya was the best as well. I promise hiring Nina to represent you will be the best choice of your life!!!
    John Block
    Wonderful Service from Dabdoub Law Firm
    Kevin Schaefer and the Dabdoub Law Firm were wonderful. They worked my case; even though it was difficult, Kevin and the Dabdoub Law Firm were able to settle my long term disability case, and now I'm getting a monthly check. Thank you, Dabdoub Law Firm.
    MALISHA MORTON
    Case Won in Record Time
    I hired Dabdoub Law Firm after my LTD was denied. The appeal from another firm was denied, so I decided not to give up. Emily Quirino was my lawyer. She was so calm and reassuring, my case was won in record time, highly recommended.
    Anna Collins
    Grateful for Dabdoub Law's Expertise
    I wish I had found them sooner! I cannot express how grateful I am to have found the Dabdoub Law Firm. After suffering a traumatic brain injury, I spent over two years battling my disability company, only to have my claim unjustly denied. Mr. Dabdoub and Mrs. Parker’s willingness to review my case and take on my representation was a turning point in my journey. Their expertise and dedication were evident from the outset when they quickly identified the ways in which the disability company had exploited my impairment to deny my benefits. Thanks to their diligent efforts, we reached a settlement in just six months. I am incredibly pleased with the outcome, which would not have been possible without Mr. Dabdoub and Mrs. Parker’s knowledge and unwavering advocacy. My experience with the Dabdoub firm has restored my faith in the legal profession. In a world where it can be difficult to find trustworthy representation, this firm stands out as a beacon of integrity and compassion. I wholeheartedly recommend the services of Dabdoub Law Firm to anyone facing a similar struggle. Their honesty, expertise, and commitment to justice are truly invaluable.
    Trevor Primo
    Nina's Phenomenal Appeal Letter
    Armed with a few doctors’ letters stating I should receive long-term disability (LTD), I initially took on my LTD provider alone … and failed miserably. With my denial letter in hand, I went searching for law firms to represent me for the appeal. After interviewing several attorneys, I decided to go with Geannina “Nina” Burgos at Dabdoub Law Firm and am EXTREMELY happy with my decision. Throughout the process, I witnessed their outstanding professionalism and knowledge navigating through the layers of the LTD appeal. All throughout, I felt that they truly cared about me, my situation, and were working in my best interest – which is a BIG deal when you are already mentally and physically ill and trying to battle insurance giants. Nina’s appeal letter was phenomenal and resulted in my insurance company overturning its denial within less than four weeks after receipt of the appeal and the evidence Nina provided. Put your trust with Dabdoub Law Firm, Nina, and Sonya – they have their exceptional Google ratings for a reason.
    Sharon
    Highly Recommend Nina!
    Nina was fantastic for my long-term disability case, me traveling a lot and not always being available, she always kept me in the loop with information and status on my case. Highly recommend Nina! I appreciate and thank her so much!
    stephanie Dalberg
    Happy I chose Dabdoub Law Firm
    I really appreciate the expertise of lawyer Kevin Schaefer and Audrey Lee-Vignon in helping me get my NYL GBS LTD appeal approved. I am so happy that I chose Dabdoub Law Firm to represent me. They were kind and patient with me and answered all of my questions. Thank you so much for helping me!
    Charlyn Ramirez
    Highly Recommend This Law Firm
    I highly recommend this law firm to anyone trying to navigate the LTD system, especially when dealing with complex conditions such as ME/CFS, Fibromyalgia, etc. They are highly experienced, knowledgeable and shrewd but also compassionate and supportive towards their clients. Bryn Natland is especially exceptional. She's fierce and dogged when fighting the big guys but still patient, steady and collaborative with her clients. I can't say enough good things about this firm, and especially Bryn. If you find yourself in the unfortunate situation of requiring disability support, the best decision you can make is to hire this team of superstars to help you.
    Michele ONeill
    Great Experience with Dabdoub Law Firm
    I had/continue to have a great experience with Dabdoub Law Firm! Kevin Probst assisted me in winning my long term disability appeal finally. I am extremely grateful. I have Ehlers-Danlos Syndrome and many other chronic conditions. I highly recommend this law firm!
    Heather Carr
    Very Professional and Expensive
    They were fantastic. Very professional and look at winning my case from all possible directions. They are expensive with a 40% you only pay if you win. However, the pay is very worth it. Their communication is top-notch.
    Jonathan Farkas
    Highly recommend Attorney Geannina Burgos
    Highly recommend Attorney Geannina Burgos at Dabdoub Law Firm. Geannina just recently represented me on my long-term disability appeal and she won my case and had my benefits reinstated within 3 months. She knew exactly what the insurance company needed in order to prove my case. Due to my situation, she was also very thoughtful and was able to do this in a very cost-effective way. Geannina is very thorough and extremely well-versed in all aspects of disability law, including ERISA. She and her team are so kind and very responsive to any questions. They kept me updated during the entire process. I now have peace of mind knowing that she continues to be there to advocate and represent me if needed. I am truly grateful to have her as my attorney.
    T Vak
    Restored My Monthly Payments
    From the first interaction with Eddie Dabdoub, I felt comfortable and felt like someone was on my side. My long-term disability company had ceased paying, and an attorney friend referred me to his firm. I was placed in the capable hands of attorney Latanae Parker, who designed a plan to prove my case, which ultimately led to my monthly payments being restored and paid in arrears what they owed me over the last year. Ms. Parker and her assistants were always kind and quick to respond. I highly recommend that if anyone is having difficulty with their LTD company to call Dabdoub Law Firm. Thanks again, Ms. Parker! I am very grateful for your expertise and advice.
    Jeanette Wolff
    Fair Settlement Achieved
    Geannina A. Burgos, with the help of her team, worked hard to obtain a fair settlement for my husband. Nina had a good understanding of what the possibilities and risks were and worked hard to overcome any known risks. Nina is very good at navigating a very complex and daunting process. Nina and her team were on top of things and very responsive and timely in getting things done that needed to happen on time. She reached out to us, rather than us having to chase her down, to get statuses and information about where we were in the process and how it was going. She also made herself available when we asked to speak to her. Nina took the time to answer any questions and concerns we had and she explained the possible expected results. Dabdoub Law Firm had a great support team during a challenging time of life.
    Robyn Hess
    Highly Compassionate and Competent
    Mrs. Burgos and her team are highly compassionate and competent! After a year of us trying to find lawyers, they took our case and were able to efficiently route us through the steps we needed to get long-term disability approval within a 3-month period. I highly recommend their services! Their knowledge of navigating the world of disability is vast, and we couldn't have done it without them. Call them!!! You'll be happy you did!
    Candace Carlson
    A Great Team on Your Side
    Dabdoub Law Firm will help you when you don’t know where to turn to get the benefits that are due to you. Kevin and the office staff are professional, courteous, and caring when you are not feeling well. They are a great team to have on your side.
    SS SS
    They Got Me Remedy with My LTD Case
    They're in FL. I'm in LA. And they still got me remedy with my LTD case. They took my case even when local attorneys wouldn't. I would recommend them to anyone.
    Copelon Kirklin
    Life Changer
    When my long-term disability was about to end, I immediately began searching for an attorney. Dabdoub Law Firm had the best reviews, and I now understand why. They not only walked me through the preliminary process but then proceeded to win the case for me. Being permanently injured is enough for me to deal with. Dabdoub Law Firm helped relieve me of that additional stress put on by the system. Life changer. Thank you, Kevin Schaefer and all those who helped.
    PM
    Professional and Compassionate Service
    I hired Dabdoub Law Firm to handle my long-term disability insurance appeal. I did a lot of research before I made this very important decision. I'm a seasoned legal professional myself, and I know how important it is to have capable and responsive attorney representation. Emily and Janiece were professional, compassionate, and efficient—exactly what I'd hoped for. We were successful and I am grateful. I would highly recommend Dabdoub Law Firm to anyone in need of the services they offer.
    Michele Mays
    Best Christmas Present Ever
    Listen! If there is one disability attorney I would recommend, it will definitely be Geannina Andrea Burgos. I was referred to her to help with my LTD disability that was abruptly closed. After months of me fighting and appealing their decision, I knew I needed help. I am so grateful that Geannina Andrea Burgos was able to help me get my benefits back in less than 2 months. This is the best Christmas present ever. I was so stressed with fighting the LTD company and my loss of income. Geannina Andrea Burgos ensured me that she would get an answer and get my benefits back either in court or without court. Luckily, we did not need to go to court. If I could give 10 stars, I would. If you want an attorney that is compassionate, understanding, and efficient that gets results, look no further.
    Brenda Ortiz-Boxdale
    Reinstated My Husband's Disability
    It was a long process but worth it in the end. My husband's long-term disability was taken away due to one doctor's statement. They definitely got the job done and reinstated my husband's disability. Thank you.
    Jennifer Thompson
    Her Team Was Always on Top
    Miss Emily Quirino, PA, helped me all the way successfully! She appealed the insurance company's denial, recovered my benefits retroactively, and ensured continuance of payments until I recovered and returned to work. She was my guardian angel, her team was always on top of my health progress and ensuring the benefits were issued timely. God bless you all!
    Danilo MARTINEZ
    Benefits Reinstated with Kevin's Help
    I chose Dabdoub Law Firm because they were the only ones who could help me with filing my initial claim for long-term disability insurance. Other law firms only would help after my initial claim was rejected. (I wanted to have representation from the very beginning, and Dabdoub was the only firm that offered that specific service.) My benefits were originally approved, but the insurance company unfairly terminated my benefits after about 6 months. Fortunately, my attorney Kevin Schaefer appealed, and my benefits were reinstated. If it hadn't been for Kevin, I would not have gotten any money from the insurance company.
    Jerome Gonzales
    Kevin Schaefer delivers results
    Dabdoub Law is an excellent law firm. I highly recommend Kevin Schaefer. Kevin Schaefer has been an absolute pleasure to work with. He is caring, confident, and he delivers. He is quick to answer any questions and he was able to win my appeal after I was denied. I’m very confident that Dabdoub Law is one of the best Long Term Disability law firms. The staff is very caring and professional as well.
    Dustin L
    They Fought Hard to Get Me a Win
    If you fall victim to companies' long-term disability programs, this is the legal team for you. They fought hard to get me a win.
    gaming with the fam
    Great Law Firm to Work With
    Prompt and professional. Great law firm to work with.
    Mike A
    Fortunate Is an Understatement
    My family was fortunate enough to stumble upon Eddie through a Google search. Fortunate is an understatement. Eddie is one of the most knowledgeable attorneys in this field that we have ever had the pleasure to speak with and come to know. My husband and I are both attorneys practicing in the state of New York for the last 35+ years. The hundreds of cases that each of us has handled never allowed us to interact with a more kind-hearted, thought-provoking, and knowledgeable attorney, who would respond to each and every query that we presented promptly and professionally. It is remarkable that in this sometimes cutthroat field, there are still practitioners who go above and beyond. We cannot recommend this attorney more highly.
    Jeanne Burton
    Kevin Schaefer: Empathetic and Caring
    Kevin Schaefer was so professional and kind with me. He is not your average attorney. I called a few other attorneys who were rude and some never responded. He is empathetic and caring. I called the firm after being denied my claim by Lincoln. After hiring Kevin it only took 3 months to get approved for my STD and LTD. Update...After 7 months I am still collecting and found out my diagnosis. I sent over paperwork from my doctor to show I can't work. I got a message from the girl Marife to send her my notes that my insurance was asking for it. I am not sure why they need it again. I was a little stressed out due to how she told me they can cancel my benefits although I had the paperwork. I hope they will fight if that is the case. I kept them on and have continued to pay. The last thing a person needs is to have stress from the insurance company.
    Elisabeth n
    Dabdoub Law Firm Restored My Benefits
    Back in April 2022, my Long-Term Disability (LTD) insurance and thanks to the Dabdoub Law Firm, my benefits were reinstated in Jan 2023. I was in complete shock, as were my family and doctors, who were all fully supportive of my disability. Being disabled alone is difficult enough; then, having to figure out this, I felt completely lost. I asked New York Life how to appeal their decision; everything they told me to do was wrong. I spent weeks researching and thinking about what to do, and I found the Dabdoub Law Firm. I spoke with the founder, Edward Dabdoub, multiple times, and he answered all my questions and was very compassionate about my situation. Attorney Kevin Probst, along with multiple attorneys, worked on my case; they were all great, as was the entire staff, including my legal assistant Claudio Reyes. The firm had a small family feel but a large enough staff to handle everything, so I liked having that peace of mind. I liked being able to do everything electronically, which was much easier for me. In my opinion, the Dabdoub Law Firm is the best Long-Term Disability (LTD) firm in the USA. I spent a lot of time researching and speaking with other law firms, but I did not feel as comfortable with them or their contracts. I was happy I didn’t need to lay out any money to get representation or pay upfront for the medical testing/reports needed to help with the legal appeal. Yes, they took on the risk and were fully invested in winning my case. Losing my LTD benefits was a major hardship and very stressful, something no one should ever have to go through. It is honestly crazy how the insurance companies can legally do this, but if you want your benefits back and have your doctors' support, you need a lawyer. My aunt, who used to do insurance appeals, and my friend, who works in insurance, said even with the proper medical support, they won’t just approve you; then you risk needing to go to court, which is even more expensive and timely. Not appealing your case correctly can also make it impossible to win in court, depending on your policy. So, I highly recommend contacting the Dabdoub Law Firm. I feel you will also be impressed. They have been nothing short of great. I will be forever thankful for them helping me.
    James Bond
    Successfully resolved my case quickly
    I’m so happy I went with Dabdoub Law Firm. They had my case successfully resolved very quickly! They didn’t charge me for silly fees, such as making copies, or anything else. I was paid promptly. They were very empathetic, compassionate, and held my hand through the whole process, and I had a LOT of questions! I highly recommend them for any long-term disability claim. They are knowledgeable and efficient.
    Audrey Smith
    Our Results
    • New York Life
      “FROZEN JAW” SYNDROME: NEW YORK LIFE
      Our client, a Chicago attorney, required surgery to remove cancerous growths. He suffered a “frozen” jaw as a side ...
    • Colonial
      ACCIDENTAL DEATH
      Our client lost his wife after a serious fall that resulted in an amputation. When he attempted to recover accidental ...
    • Principal Life
      ACUTE DISSEMINATED ENCEPHALOMYELITIS (ADEM) & FIBROMYALGIA: PRINCIPAL LIFE
      A Charlottesville resident suffering from ADEM, fibromyalgia, and chronic pain had her long-term disability benefits ...
    • Ameritas Life
      ADHD & ANXIETY: AMERITAS
      A Columbus attorney suffering from ADHD, anxiety, and other health issues had his long-term disability benefits ...
    • Lincoln Financial
      ANXIETY & DEPRESSION: LINCOLN
      A New York Senior Director in Commercial Strategy, suffering from debilitating anxiety and depression, had her ...
    • Sedgwick Claims Management Services, Inc.
      ANXIETY & GASTROINTESTINAL SYNDROME: SEDGWICK
      A Newark resident suffering from severe anxiety and gastrointestinal syndrome had her short-term disability benefits ...
    New York Life
    “FROZEN JAW” SYNDROME: NEW YORK LIFE
    Our client, a Chicago attorney, required surgery to remove cancerous growths. He suffered a “frozen” jaw as a side effect, and he can no longer talk and has complications while eating. New York Life somehow determined that he could continue to work and denied his disability claim. Attorney Burgos was able to convince the insurer to reverse its decision before going to trial.
    Colonial
    ACCIDENTAL DEATH
    Our client lost his wife after a serious fall that resulted in an amputation. When he attempted to recover accidental death benefits from her life insurance policy, Colonial denied his claim without a valid reason. As such, Dabdoub Law Firm had to cite legal precedents and demand benefits from the insurer. Now, thanks to our hard work, our client in San Jacinto, CA can grieve in peace.
    Principal Life
    ACUTE DISSEMINATED ENCEPHALOMYELITIS (ADEM) & FIBROMYALGIA: PRINCIPAL LIFE
    A Charlottesville resident suffering from ADEM, fibromyalgia, and chronic pain had her long-term disability benefits wrongfully terminated by Principal Life. Dabdoub Law Firm successfully appealed the decision, presenting extensive medical evidence and securing the reinstatement of her LTD benefits, providing the financial support she needed to manage her health and maintain her quality of life.
    Ameritas Life
    ADHD & ANXIETY: AMERITAS
    A Columbus attorney suffering from ADHD, anxiety, and other health issues had his long-term disability benefits wrongfully denied by Ameritas. Dabdoub Law Firm successfully appealed the decision, challenging the insurer’s contestable period review, and secured the LTD benefits our client deserved, ensuring he had the financial support necessary after stepping away from his legal career.
    Lincoln Financial
    ANXIETY & DEPRESSION: LINCOLN
    A New York Senior Director in Commercial Strategy, suffering from debilitating anxiety and depression, had her short-term disability benefits wrongfully terminated by Lincoln. Dabdoub Law Firm successfully appealed the decision, presenting extensive medical evidence and reinstating her STD benefits, ensuring she received the support necessary to manage her mental health and regain stability.
    Sedgwick Claims Management Services, Inc.
    ANXIETY & GASTROINTESTINAL SYNDROME: SEDGWICK
    A Newark resident suffering from severe anxiety and gastrointestinal syndrome had her short-term disability benefits wrongfully denied by Sedgwick. Dabdoub Law Firm successfully appealed the decision, using extensive medical evidence to secure the STD benefits our client deserved, ensuring she received the financial support necessary to manage her condition.
    Why Choose Dabdoub Law Firm

    At Dabdoub Law Firm, we are dedicated exclusively to disability insurance law across the United States. With over 20 years of experience, we guide our clients through claims, appeals, and lawsuits, ensuring they receive the disability benefits they deserve.

    Why Choose Us:

    • Over two decades of exclusive focus on disability insurance law
    • Nationwide representation against major insurance companies
    • Proven track record in securing disability benefits
    • Expertise in managing complex claims and disputes
    • Personalized guidance every step of the way
    • 20+ Years of Expertise

      Over two decades specializing in disability law.

    • Nationwide Representation

      Servicing clients across the U.S. against major insurance companies.

    • Focused and Dedicated

      Our entire firm is dedicated to disability insurance law with a 99% success rate.

    • Personalized Client Support

      Guiding clients through every step of their case.

    Meet Our Dedicated Dabdoub Law Firm Team

    At Dabdoub Law Firm, we are devoted to helping individuals navigate the complexities of disability insurance law across the United States. With over 20 years of specialized experience, our team focuses exclusively on disability claims, appeals, and lawsuits, ensuring our clients receive expert guidance at every stage. Our singular dedication makes us a nationally recognized firm, capable of effectively handling the toughest cases against major insurance companies. We pride ourselves on our persistence, knowledge, and the personalized support we provide. Choose us for a firm that stands by you with commitment and competence, helping secure the benefits you rightfully deserve.

    Your Questions, Answered
    • Who qualifies for Long Term Disability benefits?
      Eligibility for Long Term Disability benefits usually requires a covered medical condition that prevents you from performing your job. Each insurance policy has specific criteria, which may include waiting periods, proof of ongoing disability, and documentation from healthcare providers.
    • How do I file a Long Term Disability claim?
      To file a Long Term Disability claim, contact your insurance provider to obtain claim forms. Complete and submit the forms with necessary documents, including medical records and an employer statement. You may also need a physician’s certification of your condition.
    • Can pre-existing conditions affect LTD claims?
      Pre-existing conditions can impact Long Term Disability claims. Many policies have exclusion periods for conditions treated before coverage began. Understanding your policy’s exclusion period and conditions regarding pre-existing conditions is important.
    • How does LTD interact with Social Security?
      Long Term Disability benefits can coincide with Social Security Disability benefits, but your LTD benefits may be offset by the amount received from Social Security. Check your policy for any offset provisions related to Social Security benefits.
    Talk to Our Team
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