Connecticut Residents – Get Assistance from Expert Long-Term Disability Insurance Lawyers

While Capitan Law 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 Capitan Law 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.

About ERISA and Long-Term Disability Insurance

The Employee Retirement Income Security Act of 1974 (ERISA) typically governs long-term disability insurance plans provided by employers. That means if your employer pays for part or all of your disability coverage, you must follow the rules and procedures set forth by ERISA. The benefits that are provided by your LTD insurance policy will replace a portion of your income for an extended period, which is generally determined by your plan and the nature of your disability. As mentioned above, these claims can get complex. An ERISA benefits claim attorney will provide knowledge and experience to guide you through the process.

Each policy varies slightly in its definition of disability, but in general, to be eligible for benefits, the injured individual must be unable to perform the duties of their own job. After some time, eligibility for benefits may change and may stipulate that the individual cannot complete any work at any job due to their disability.

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 Capitan Law can help you understand the options available to you and are well-equipped to help you navigate these complex issues.

Disabilities Qualifying for LTD Benefits

LTD policies typically cover severe medical conditions that prevent you from maintaining your previous work schedule. These disabling conditions can include autoimmune diseases, back and spine injuries, mental health disorders, and many others.

Filing a Long-Term Disability Insurance Claim

Immediately file a claim when an injury or illness impedes your work. First, file a short-term disability claim; when these benefits end and your disability persists, your LTD benefits can commence. Start the process early to resolve any claim denials or delays promptly. We are happy to assist you in the long-term disability application process.

Common Reasons for Claim Denial

LTD claim filing is complicated, with any errors potentially leading to denials. Common reasons for denial include discrepancies in the definition of disability, missing medical records, procedural errors, inconsistent information, bad faith by insurance, and lack of understanding of rare medical conditions.

Appealing a Denied Claim

You can appeal a denied long-term disability claim. Under ERISA, you must file the appeal within 180 days from the denial notification date. At Capitan Law, we understand the appeals process and will help you through each necessary step.

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 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 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 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.