Connecticut Residents – Get Assistance from Expert Long-Term Disability Insurance Lawyers
While Abell & Capitan is not licensed to practice in Connecticut courts, our long-term disability lawyers assist disabled Connecticut citizens with ERISA-governed disability insurance claims. As discussed in more detail below, ERISA is federal law. If you have a claim that is governed by Connecticut law, please contact a local attorney licensed to practice law in your state to assist you with that matter.
Facing a non-work-related injury or illness can threaten your financial stability. Let Abell & Capitan Law, your experienced long-term disability insurance lawyers, guide you through the application process of disability insurance via your employer’s ERISA-governed policy. Be aware that this process is complex, with insurance companies often attempting to minimize or deny benefits owed.
Our long-term disability attorneys will defend your rights, collate necessary evidence, and strive for the benefits you deserve. We offer free consultations, so call us at (267) 419-7888 today.
Differences between LTD Insurance and Workers’ Compensation
The main difference between long-term disability and workers’ compensation is that LTD benefits provide a partial-wage replacement for someone who becomes injured while doing something unrelated to their work, while workers’ comp is for job-related injuries and illnesses. If you are injured at work, you may still be able to apply for disability insurance benefits depending on the specific language contained in your policy. However, if you are eligible for both types of benefits, LTD benefits are usually offset by any benefits received through the workers’ comp claim.
Both insurance policies can come from your employer; however, not all businesses in Connecticut have a legal obligation to provide long-term disability to their employees. If your employer does not offer LTD insurance, you may have purchased your own individual disability plan and paid the monthly premium. It is also possible to have a policy you purchased yourself and one provided through your employment relationship. If you sustain an injury or get sick, you’ll be able to collect benefits based on your policy type. The attorneys at Abell & Capitan can help you understand the options available to you and are well-equipped to help you navigate these complex issues.
Long-Term Disability Laws in Connecticut
Living with a long-term disability in Connecticut can be challenging. The road ahead might seem fraught with uncertainty, but relief could be available to you in the form of long-term disability (LTD) benefits. As a resident of the Constitution State, here’s what you should know about the various laws that could shape your rights and benefits.
How Does Connecticut Define Long-Term Disability?
In Connecticut, a “long-term disability” is a debilitating condition that hinders your ability to perform your job for a long period. Qualifying criteria for long-term disability claims depend on the conditions of individual insurance policies.
Understanding these policies can be challenging due to their inherent complexity and pages of legal jargon. This is where legal counsel can make a significant difference. The lawyers at Abell and Capitan Law have the experience and know-how to help you interpret your insurance policy’s terms and demand the benefits you’re entitled to.
How Long Do I Have to Wait to Get Disability Benefits in Connecticut?
In Connecticut, like in many other states, you usually have to undergo a waiting period, also known as an “elimination period,” before you can start claiming long-term disability benefits. This period typically lasts between 90 and 180 days, depending on your insurance policy. It begins on the day you’re deemed unable to work due to your disability.
It’s important to initiate the claims process as soon as possible after becoming disabled to ensure you receive your benefits without unnecessary delays. The attorneys at Abell and Capitan Law can provide guidance and help you understand your policy’s specific requirements and timelines.
How Much Can I Get in Long-Term Disability Benefits in Connecticut?
The long-term disability benefits you could potentially receive in Connecticut primarily depend on the individual terms of your insurance policy. Most of these policies aim to replace between 50 and 70 percent of the income you were earning before your disability onset.
The final benefit amount you receive can vary based on several factors, including your pre-disability income, the terms and conditions of your policy, and the nature of your disability. Also important to note is that other income sources, such as Social Security Disability or workers’ compensation benefits, could lower your ultimate payout from the LTD insurance company.
How Much Time Do I Have to File a Long-Term Disability Claim in Connecticut?
In Connecticut, the filing deadline for a long-term disability claim is typically governed by the specifics of your LTD policy. Many policies require that you file within a specific period following the onset of disability, often within as little as 30 days. It is essential to review your policy as soon as possible after becoming disabled, as time frames and conditions can vary widely. Without a clear deadline in the policy, it is always better to file your claim without delay to avoid any potential issues.
Contact our ERISA Benefits Claims Experts
At Abell and Capitan Law, we comprehend the urgency of receiving LTD benefits. We work tirelessly to protect your rights and ensure fair treatment during the claims process. If you’re unable to work in Connecticut, call us at (267) 419-7888 for assistance with filing for benefits.