Florida Residents – Get Assistance from Expert Long-Term Disability Insurance Lawyers
While Abell & Capitan is not licensed to practice in Florida courts, our long-term disability lawyers assist disabled Florida 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 Florida 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 Florida 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 Florida
Navigating life with a long-term disability in Florida can feel like sailing through uncharted waters. But did you know that as a Floridian, you could be entitled to long-term disability (LTD) benefits? Florida’s specific LTD laws are complex, but understanding your potential rights is key to regaining control. Here’s what you should know.
How Does Florida Define Long-Term Disability?
Florida’s statutory laws do not define “long-term disability” outside the context of workers’ compensation and Social Security benefits. Long-term disability is often understood as a prolonged illness or injury that prevents you from working. However, the specific details and eligibility criteria are typically laid out in your insurance policy.
LTD policies are often complex and filled with legal jargon, making it difficult for most people to understand their rights and benefits fully. That’s where the help of a lawyer becomes indispensable. The attorneys at Abell and Capitan Law can help you understand your policy’s language and guide you through the process of claiming the benefits you are owed.
How Long Is the Waiting Period for LTD Benefits in Florida?
In Florida, long-term disability insurance policies often include waiting or “elimination” periods before benefits are available to claim. This period typically ranges from 90 to 180 days from the onset of a disability that keeps you from working.
This waiting period is a crucial factor to consider when you become unable to work, as any delay in reporting your disability or filing a claim could lead to delays in your benefits. For a detailed understanding of your policy’s stipulations and how best to navigate them, contact the lawyers at Abell and Capitan Law for assistance.
How Much Can I Get in Long-Term Disability Benefits in Florida?
In Florida, the amount you could be entitled to in long-term disability benefits is based predominantly on the details of your specific insurance policy. Typically, such policies provide benefits amounting to approximately 50 to 70 percent of your pre-disability income.
The final sum of your LTD benefits can change due to various factors, such as the income you earned before becoming disabled, your insurance policy’s specifics, and the extent of your disability. Remember that any benefits from sources like Social Security Disability or workers’ compensation could serve as deductions, decreasing the amount you can get from your LTD claim.
How Much Time Do I Have to File a Long-Term Disability Claim in Florida?
The timeline for filing a long-term disability claim in Florida usually depends on the terms and conditions of your specific insurance policy. Insurance providers often specify that claims must be submitted within a certain period following the onset of disability, commonly 20 to 30 days. Therefore, it’s vital to check your policy promptly upon becoming disabled to ensure you fully understand the requirements for filing a claim. If no specific timeline is provided, it’s best to act quickly to prevent complications or claim denials due to delays.
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 Florida, call us at (267) 419-7888 for assistance with filing for benefits.