Download Our Free Long-Term Disability eBook
You might think your chance of having a long-term disability is fairly low unless you work in a dangerous job, but the truth is over one in four of today’s 20-year-olds have a chance of becoming disabled before they retire. A long-term disability is an illness or accident that impairs you from working and earning an income for a period of three months or longer as long as you remain disabled. Cancer, back injuries, heart disease and other illnesses cause the majority of long-term absences.
If you are suffering with a disability, the last thing you need is to struggle with paperwork and red tape. Our FREE BOOKLET will provide you with the information you need, especially if you have been denied the insurance benefits for which you have paid. An attorney can help you:
- Request all of your medical records.
- Arrange a functional capacity exam and/or a vocational assessment.
- Draft a detailed letter to refute the reasons the company has given for denial.
- File a lawsuit, if necessary.
- Interact with the insurance company to make sure the file is complete.
- Draft declarations from family members and co-workers to substantiate and provide anecdotal evidence for the file.