Florida Long-Term Disability Attorney

Helping Clients Secure the Benefits They Deserve From Insurance Companies

Purchasing an insurance policy is a great way to safeguard your future. While many people understand the importance of life and healthcare policies, there are also those who invest in long-term disability (LTD) insurance. This coverage can help individuals keep their heads above water if they become unable to work. Unfortunately, securing benefits can sometimes be complex. That’s why it’s important to work with a long-term disability lawyer in Florida.

At The Law Office of Nancy L. Cavey, our legal team works hard to ensure our clients remain financially secure — regardless of what’s happening in their lives. If you have a long-term disability policy, it’s because you wanted to make sure you and your family were cared for. It doesn’t seem fair that it’s often difficult for policyholders to secure their benefits, but the simple fact is that insurance companies are in the business of making money.

Our Florida long-term disability attorneys will fight to ensure this doesn’t happen at your expense.

What Does Long-Term Disability Insurance Cover?

There are laws and programs in our country aimed at protecting American workers. One such program is Social Security Disability Insurance (SSDI) — which provides financial support to injured or disabled workers. However, many people opt to carry a long-term disability insurance policy as well. These policies will reimburse a person for a certain percentage of their wages if they can’t work due to an injury or medical condition.

While there are specific rules in place for what SSDI covers, long-term disability coverage is somewhat different. That’s because these policies are offered by private companies, so the terms of their coverage can vary between providers. However, it’s typically the case that a person can secure benefits if a serious injury or medical condition will prevent them from working for at least a few months.

These policies certainly provide peace of mind, but it may not seem this way when you’re filing a claim. The benefits process can be complex, and it’s not uncommon for insurers to treat their policyholders unfairly. At The Law Office of Nancy L. Cavey, we’ve seen our families struggle to remain financially secure when unable to work. That’s why we work hard to ensure our clients don’t face the same struggles.

What Does the LTD Claims Process Look Like?

When it becomes apparent that you’ll be unable to work for some time, it’s important to begin the claims process as soon as possible. Companies often have rules regarding timelines for filing. Submitting an LTD claim may seem simple — with some providers even supplying all necessary forms right on their website. However, the issues most people encounter have to do with proving their inability to work.

It’s not enough to simply tell your insurance provider that you’re unable to work. In many instances, you’ll need to undergo a functional capacity evaluation (FCE) to prove your injury or disability. This isn’t the only form of proof you can use, and having additional evidence can always prove beneficial to the claims process. Once you submit your claim with evidentiary documents, the LTD provider will review your submission.

In a best-case scenario, your insurer will process your claim and start paying benefits. Unfortunately, it doesn’t always work like this. Whether due to bad faith practices or simply extreme caution to prevent fraud, providers will often demand more evidence or even deny a claim. In these instances, having a long-term disability attorney in Florida on your side can prove invaluable to securing benefits.

Do You Need Help Filing a Long-Term Disability Claim?

If you have a long-term or short-term disability insurance policy, you shouldn’t need help submitting a claim. You pay for your policy, so insurers shouldn’t make it difficult to secure the benefits you’ve paid into. Unfortunately, the claims process doesn’t always work out this simply. That’s why many individuals who are injured or disabled seek the assistance of a Florida long-term disability lawyer.

When you buy a new policy, your insurer will be very specific about contacting them as soon as you’re unable to work. Their contention is that this is necessary to process your claim quickly. However, it’s often the case that they simply want to discuss your case before you’ve had time to seek an experienced opinion. If your policy provider acts in good faith, it will not matter if you don’t first speak with an attorney.

However, working with a long-term disability law firm in Florida becomes necessary the moment you’re denied benefits. Filing a claim on your own is absolutely fine, but taking on the appeals process alone is not advisable. Insurers will often alter their course when they know a policyholder has secured legal representation, and if they don’t, our law firm can file a claim under the Employment Retirement Income Security Act (ERISA) on your behalf.

Contact a Long-Term Disability Lawyer in Florida Today

Suffering a serious injury or medical condition is a scary situation. Many people find themselves unable to maintain financial security, and this can lead to unfortunate outcomes. If you have a long-term disability insurance policy, your foresight can prove invaluable. This small bit of proactivity can help avoid major unnecessary disruptions to your life. Unfortunately, many people need legal assistance to get the benefits they deserve.

At The Law Law Office of Nancy L. Cavey, our long-term disability lawyers in Florida are committed to assisting. We can help you understand your policy, navigate the claims process, appeal wrongful denials, and even file an ERISA claim if necessary. Getting the benefits you paid for shouldn’t be a difficult process, but the unfortunate fact is that insurance companies are more worried about their bottom line than their policyholders.

Contact us at (727) 477-3263 to schedule your free consultation. Our law firm is ready to help.