Short-Term & Long-Term Disability Claims Attorneys
Being unable to work due to an illness or an accident can leave you in financial limbo, relying on the insurance company to come through with the disability benefits you desperately need. Hopefully, your private or employer’s disability insurance lets you collect most of your lost income for the period described in the policy. But it’s entirely possible the insurance company will show resistance, delaying or frustrating your access to badly needed income and piling onto an already stressful situation. You don’t have to fight this battle alone, though. Whether you’re filing a short-term or long-term disability claim, disability attorneys in Orlando, FL, with the Law Offices of Michael B. Brehne, P.A. will fight aggressively for the benefits you deserve. Contact us today to schedule a free, no-obligation consultation.
Why Hire A Disability Claims Attorney?
If you’re prepared to file a claim for disability benefits under a personal or group insurance policy, make sure to seek our legal advice before you even fill out the application. Making mistakes during the early stages of the process, even small errors, could put you at a significant disadvantage and be used later to deny the claim. That’s why having an attorney for disability claims by your side improves the chances of success. Not only do our attorneys comb through your paperwork, but because we understand what insurance companies need to see to approve a claim, we also make sure yours is supported by the right medical evidence.
Short-Term Vs. Long-Term Disability Claims
A catastrophic injury or illness can keep you out of work for an indeterminate length of time. That’s why our law firm has short-term and long-term disability lawyers to assist you through each phase of the insurance process. Most applicants file for short-term claims as the first step. These benefits are offered to employees who are unable to work due to medical conditions. After a one-week elimination period starting on the date of disability (DOD), the benefits commence for between 12 weeks and a year.
Long-term benefits pick up where short-term benefits leave off. Ideally, the transition between the two entitlements should be seamless, which requires timely filing of the long-term disability claim. Though most insurance providers consider short-term disability a prerequisite for a long-term disability claim, this isn’t always the case. Even if you’ve been denied short-term entitlements, you may still qualify for long-term disability. It’s also prudent for you to adjust their household spending on long-term disability, as the payouts only cover a percentage of your pre-disability income. However, a lawyer’s assistance when filing the claim can help secure the highest earnings potential.
Reasons For Filing A Disability Claim
After an accident or injury, you’re entitled to a quality of life that is on par with those before the need for disability insurance. Our disability lawyers help with claims for long-term or short-term disabilities that resulted from physical or psychological injuries caused by illnesses or accidents, including:
- Heart disease
- Diabetes with complications
- Other personal injury problems
- Serious motor vehicle accident injuries
- Severe arthritic conditions
- Cardiopulmonary disorders
- Depression, anxiety, or bipolar disorder
- Convalescence following major surgery
Disability Claim Appeals
If your previous disability claim was rejected, our disability appeal lawyers can contest the outcome if it was made on unfair grounds. Facing an insurance company’s team of attorneys by yourself is a mighty challenge. But our insurance dispute attorneys have stood toe-to-toe with insurance lawyers on many cases, fighting for the payouts our clients deserve. We have handled disability cases in Orlando in a variety of industries, taking on both private and employer insurance providers. We’ll bring that experience and unyielding dedication to your case.
Sometimes disability benefits are suspended, terminated or rescinded by the insurance companies. Especially when the benefits have been in place for a long time, the insurer will require medical records and similar updates regarding the client’s disability. In some cases, insurers will surveil people with disabilities looking for inconsistent behavior that justifies cancellations of benefits. Don’t let yourself be pushed around or unfairly harassed. Let our attorneys stand up for you until you’re ready to return to work.
Contact Our Lawyers For Help With Disability Claims
Before you file a private or employer disability insurance claim or appeal a denied claim, seek the advice of Orlando attorneys with the Law Offices of Michael B. Brehne, P.A. We’ll guide you through the process and improve your chances of receiving a fair long-term or short-term entitlement. Contact us or visit our law offices to get started.