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

While Capitan Law 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 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.

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 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 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 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 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 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 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.