Connecticut Long-Term Disability Attorney
If you are needing help with a LTD claim or appeal, contact the Connecticut long-term disability lawyers to get help today.
Most Connecticut residents plan their life around their income from work. The money you make at your job to provide for your needs, pay your loans, and save for retirement. It seems you’ve got everything covered. You may even feel extra prepared because you have a life insurance policy to protect your loved ones in the event of your death. Unfortunately, most Americans don’t plan for a future in which a long-term injury or illness prevents them from working.
Almost eight million people across the country have some type of disabling condition. Although some are present at birth, many people develop a serious disability during adulthood. Even if you’ve managed to save money throughout your working life, a disability can knock you off track. If you’re unable to work, you may spend all of your savings in less than a decade.
The good news is long-term disability (LTD) insurance can help protect you and your loved ones in the event of an unexpected disability. Your policy will provide you with a portion of your standard salary, so you can maintain financial stability for the duration of your disability.
It should be easy, but filing for long-term disability benefits in Connecticut can be a difficult and lengthy process. Even when you have a well-documented disability that prevents you from working, your insurance provider may prevent you from receiving the money you deserve. That’s why you need professional help.
You need your disability benefits as soon as possible. The Connecticut long-term disability attorneys at Abell and Capitan Law are prepared to fight on your behalf, so you can receive the benefits you need. We understand the complexities of LTD claims, and we’re ready to use aggressive legal tactics to protect your rights.
If you are filing for LTD benefits, contact Abell and Capitan Law as soon as possible. We offer services to help during any part of the claim process, and we won’t take any payment until you receive your benefits. Get started on your claim right now by contacting a LTD lawyer from Abell and Capitan Law at (267) 419-7888 today.
Why You Need a Lawyer
When you or a loved one experience a long-term disability, your entire life changes. You may have significant physical or cognitive impairments that interrupt your daily life. You may also experience intense emotional pain as you learn to navigate your new normal.
When you already face the stress of a serious disability, you don’t have to waste time reading confusing insurance policies and building a comprehensive LTD claim. This process is often frustrating and feels like it was designed to prevent you from getting the benefits you need.
You need to work with a skilled long-term disability attorney who can lift this weight from your shoulders. Your lawyer will answer each of your questions and help you interpret your LTD policy, so you understand the amount of money you should expect from your claim. They’ll also help you gather the necessary evidence to build the best possible argument on your behalf.
Most importantly, your lawyer will follow your claim to help you get fair benefits as soon as possible. Most LTD claims end in a settlement, but if your insurance provider tries to offer you less than you deserve, your lawyer will prepare to take your case to court.
Why Choose Abell and Capitan Law to Manage Your Claim
The attorneys at Abell and Capitan Law are prepared to help you through every step of your long-term disability claim. Our firm works exclusively in disability law, so we have dedicated our careers to understanding every element of filing for disability benefits. We understand how important your disability claim is for your financial future, so we offer personalized legal tactics to meet your needs.
Abell and Capitan Law is ready to take on your long-term disability claim at any stage of this complex process. We routinely work on LTD claims from start to finish, so our attorneys are prepared to help you with:
No matter the problems that come up with your long-term disability claim, the attorneys at Abell and Capitan Law have the skills and experience necessary to offer you high-quality legal counsel.
When you work with Abell and Capitan Law, we’ll dedicate ourselves to helping you get the best possible outcome in your LTD case. We won’t rest until you and your loved ones receive the financial support you deserve.
Understanding Long-Term Disability in Connecticut
Connecticut is one of many states across the U.S. that doesn’t require employers to provide long-term disability benefits. Your employer may choose to provide the coverage, or you can purchase an LTD insurance policy independently.
You can apply for benefits from your LTD policy if you experience an illness or injury that prevents you from working. It’s important to know that you can’t use your LTD insurance to seek benefits after a work-related accident. That should be covered by workers’ compensation.
Your disability must prevent you from working for a specified amount of time, called the elimination period, to qualify for LTD benefits. Most LTD insurance policies have an elimination period lasting between three and six months. If you pay a lower premium for your policy, you may have a longer elimination period.
Once you have passed the elimination period and your LTD claim is approved, you’ll receive LTD benefits equivalent to 50-70% of your monthly salary. You should receive compensation for the duration of the “benefit period” specified in your contract.
Some policies provide financial support for the length of time your disability prevents you from working, or until you reach retirement age. On the other hand, some of the most cost-effective LTD policies only provide coverage for a limited time, typically between two and ten years.
Why Are Long-Term Disability Claims Denied?
When you file for LTD benefits, you have to present substantial evidence that justifies your claim. You must also follow a strict set of filing deadlines and regulations to meet the requirements for benefits.
Inexperienced filers can feel like the applications and their rules are purposefully confusing. Even a small error during the filing process may give your insurance provider reason to deny your claim. That’s why legal representation is so important. Our attorneys at Abell and Capitan Law won’t be tripped up by even the worst insurance form.
Ultimately, your insurance provider doesn’t want to pay you any money even when you have a documented long-term disability because it hurts their bottom line. They’re businesses, after all. Some of the most common reasons your insurance provider might deny your LTD claim include:
- Insufficient documentation of your disability: You need to include all of the medical records related to your disability when you file your LTD claim. This evidence should include diagnostic testing to identify your disability, documentation of regular medical treatment, and a statement from your doctor about how your disability limits your ability to work.
- Failure to meet your policy’s disability definition: The terms of your LTD policy will specify your insurance provider’s definition of disability, which they will use to determine if you’re eligible for benefits. Some policies will provide benefits if you’re unable to work in your chosen field. Others may require you to be unable to perform any type of work before you’re eligible to receive LTD benefits.
- Evidence contradicting your disability claim: Your insurance provider will probably perform an independent investigation of your medical condition and abilities before they approve your LTD claim. Your insurer may interview your employer, friends, and families to understand the impact this disability has on your daily life. They may also require independent medical testing to determine the validity and severity of your disability. If your provider finds any inconsistent information, no matter how real your illness or injury, they might deny your claim.
- Missed filing deadlines: Every element of your LTD claim is structured around strict deadlines. If you miss any of these deadlines, your insurance provider can deny your application, and you will have to restart the process.
- Application errors: Even problems as small as misspelling a word or writing down an incorrect date might be a reason for your insurance provider to throw out your application.
Your provider will review every detail of your application, and they may even use underhanded tactics to avoid paying you the money your policy guarantees. If you decide to file your long-term disability claim on your own, you might not know the amount or type of information you need to provide to create a strong argument for your claim.
You need to work with a skilled LTD attorney who will help make sure that every piece of your application meets the highest possible standards. Your lawyer will save you time during the filing process, and they’ll prevent any errors from impeding your application.
Contact a Connecticut Long-Term Disability Lawyer Today
If you or a loved one has a long-term medical condition, you need financial support to supplement your lost income and protect your financial stability. Don’t wait for the benefits to arrive on your doorstep. Take active steps to get what you need.
The Connecticut long-term disability attorneys at Abell and Capitan Law will fight for the benefits you deserve. Schedule your free case evaluation by contacting Abell and Capitan Law at (267) 419-7888 today.