Do I Qualify?
How to Determine if You Qualify for Long-Term Disability
Long-term disability policies typically require that you demonstrate that you cannot perform "any job" in the national economy. We try to meet that burden with medical evidence. In general, insurance carriers will pursue similar tactics to those used by insurance companies in auto accident cases, attempting to pay out as little as possible. Because every long-term disability insurance policy differs in coverage, you’ll need to get a copy of the complete policy to review the terms.
Let Us Fight the Insurance Carriers for You
In many cases with private insurance carriers, they will pay on the policy but try to limit the amount paid. In others, they will use their own medical “experts” and try to claim that you are not disabled. It’s also common for long-term disability companies to offer to “help” you file for Social Security Disability and then deduct those disability payments from your LTD policy amount – so they pay you next to nothing. It is not uncommon to have private investigators follow the policy holder (that's you!) to provide video evidence of your activity and capabilities.
When Should I Call an Attorney?
If your doctor believes you will be disabled for more than 6 months (or whatever time frame is mentioned in your LTD policy) and the insurance company has denied your initial claim, it’s worth your time to talk to an experienced disability attorney. An attorney can review the specifics of your situation and determine whether you qualify for long-term disability and what your expected benefit should be.
Based on your situation, the disability attorney may also determine that you should be able to file a claim for Social Security Disability (if the disability will last more than 12 months).
Contact now to discuss your LTD case or call us at 1.866.585.5098 today to see if you have a long-term disability case. We handle disability cases in Louisville and Lexington, Kentucky and surrounding areas, including southern Indiana.