Iowa Long-Term Disability Lawyer
Planning for the future is difficult under any circumstances. But what should you do when a fundamental fact has changed your life? Many Iowans suffer illnesses or injuries that prevent them from working and throw their financial and personal lives off the smooth track they worked hard to build.
Abell and Capitan Law is here to help. Do you have a disabling medical condition? Has your disability prevented you from working? If so, you may be eligible for substantial long-term disability benefits.
Millions of Americans struggle with limitations due to severe disabilities. And many of them develop their disabling conditions as working adults. Long-term disability (LTD) insurance helps protect you and your loved ones if an unexpected illness or injury brings your career to an end.
Filing for the Iowa LTD benefits you need can be a difficult process, and many valid claims are denied because of a minor error or technicality. You deserve the best possible chance of receiving the LTD benefits you need, and the Iowa long-term disability attorneys at Abell and Capitan Law can you get it.
Our firm focuses exclusively on long-term disability law, so we’re prepared to take on your case, no matter how complex your circumstances. If you need answers and advice about your LTD claim, contact Abell and Capitan Law at (267) 419-7888 today for a free case evaluation.
Why You Need an Attorney
When you or a loved one can no longer work, you need the disability benefits you’re owed as soon as possible. That money will help you provide for yourself, pay your medical bills, and plan for your future.
Unfortunately, filing a long-term disability claim is a confusing process. Iowans who file on their own discover that any mistakes in their applications significantly increase their wait times and the chances that they lose their benefits.
You can’t afford to take any chances when you need LTD support. That’s why you need to work with a skilled long-term disability lawyer who can guide you through every step of your claim.
LTD lawyers like ours at Abell and Capitan Law have an in-depth understanding of disability law, so they can explain every element of your LTD policy. They’ll help you gather all of the evidence you need to make a strong argument for benefits and negotiate with your insurance provider to make the filing process easier for you.
Why Choose Abell and Capitan Law to Manage Your Case
Abell and Capitan Law focuses our time and resources on helping Iowans receive LTD benefits they need. We understand the complexities of long-term disability insurance in Iowa, and our team is prepared to use our knowledge and experience to help you. Abell and Capitan Law uses a team-based approach to make sure that we manage every aspect of your claim, from your initial insurance questions to the day you receive benefits.
Abell and Capitan Law believes that everyone deserves access to high-quality legal counsel and guidance throughout the LTD claim process. And we know that the cost of hiring a lawyer discourages some people from seeking legal support. That’s why Abell and Capitan Law guarantees that you won’t pay us anything until you receive your LTD benefits. We’re confident that you and your loved ones will receive the financial support you deserve with the help of our Iowa long-term disability lawyers.
Who Is Eligible for Long-Term Disability Benefits in Iowa?
In the state of Iowa, employers are not required to offer LTD insurance as a part of standard work benefits. Nevertheless, many employers throughout the state choose to provide coverage as an option to help protect their employees. If you aren’t eligible for LTD benefits through your work, you can also purchase LTD insurance from an independent provider.
Your LTD insurance policy may specify certain restrictions that could impact your eligibility for benefits. It’s a good idea to have an attorney review your policy to see what might or might not affect your claim.
Some of the most common factors that might limit your benefits include:
- Employment status: Most policies require that you work as a full-time employee or a minimum of 30 hours per week.
- Length of time you have worked for your employer: Your policy may not go into effect until you have accrued a certain amount of time working for a specific company.
- Age: You’re usually only eligible for LTD benefits up to the age of retirement, typically between 65 and 67 years old.
- Pre-existing conditions: When you purchase LTD insurance, your policy will specify whether or not pre-existing conditions are eligible for coverage if they present significant limitations during your employment.
You should fully understand all of these restrictions in your LTD policy to prepare a valid claim for benefits. If you don’t meet the benefit criteria in your insurance policy, your provider will deny your claim. Talk to a Abell and Capitan Law lawyer to find out more.
Conditions that Qualify for Long-Term Disability
Numerous different illnesses and physical disabilities may cause you to experience chronic pain, limited mobility, or other serious impairments. Your condition might make it difficult to get out of bed in the morning, let alone got to work and perform the tasks of your job. You’ll need a doctor to attest to those facts before you can get LTD benefits.
When you apply for LTD benefits, you must present significant medical evidence to your insurance provider to demonstrate the severity of your condition and your inability to work. Even with this documentation, your insurance provider may perform an independent investigation into your condition, including interviews with your employer and friends, as well as an independent medical exam.
Although many different conditions can qualify for LTD benefits, some of the most commonly accepted disabling conditions include:
- Neurological disorders: limitations of your cognitive abilities, including judgment, reasoning, and memory, such as traumatic brain injuries (TBI), seizures, stroke, and chronic migraines
- Back or spine disorders: disabilities resulting in chronic back pain and limited mobility, typically caused by paralysis, degenerative disc disease, or spinal nerve compression
- Orthopedic joint impairments: cartilage degeneration, chronic inflammation, and swelling at the joints from conditions like osteoarthritis, gout, and bursitis
- Balance disorders: disruption to the balance center in the inner ear from disorders like vertigo or Meniere’s Disease
- Autoimmune diseases: Multiple Sclerosis, Lupus, Rheumatoid arthritis, and diabetes
- Cardiac disorders: heart attacks, heart disease, and lymphedema
Most of these disorders have no known cure. Medical treatment may help manage pain but may y never eliminate the disabling symptoms you experience. For this reason, most LTD insurance providers recognize these disorders and diseases as long-term disabling conditions.
Even if you believe your disability should qualify for benefits, every LTD provider develops its own definition of a “disabling condition.” Your lawyer will help you interpret your provider’s policies and help you create the best possible argument for benefits.
When Can I Apply for Benefits?
Most LTD policies specify a length of time during which you must be unable to work before you can receive LTD benefits. This timeframe, known as the “elimination period,” typically lasts between 30 and 90 days.
If you have an LTD policy with a low monthly premium, you may have to wait through a longer elimination period, lasting between six months and a year. You won’t be able to receive benefits before the end of the elimination period.
If you’re considering filing for LTD benefits, review your insurance policy with an attorney to make sure that you understand the limitations and requirements specified in the terms of your policy. Your lawyer will recommend the best way to proceed during this waiting period and help prevent your insurance provider from denying your claim.
How Much Can I Receive from LTD Benefits?
Your LTD benefits are determined by your average salary per month. Most policies cover between 50-70% of your typical monthly salary, on average, providing around 60% salary coverage. Your policy may specify a maximum amount of money that you’re eligible to receive each month. If you have a high yearly salary, you may not receive the total percentage of your salary because of this cap.
When you apply for LTD benefits through your insurance provider, one of the filing requirements may include applying for benefits with the federal Social Security Disability Insurance (SSDI). The Social Security Administration (SSA) reviews SSDI applications to determine the benefits you’re eligible for from the federal government. In 2019, the average SSDI payment was approximately $1,234 per month.
Your private LTD insurance provider may review the amount of money you receive from SSDI. They’ll then use your federal disability earnings to justify a reduction in benefits from your LTD policy.
The terms of your LTD policy should explain whether or not the insurance provider will use SSDI benefits as a factor when determining your monthly benefits. If so, your attorney will help you understand how this information may affect your payments.
Contact an Iowa Long-Term Disability Attorney
No matter whether you’re just starting a long-term disability claim or if you’re seeking to file a lawsuit for fair benefits, the attorneys at Abell and Capitan Law are prepared to help.
You can’t afford to wait any longer for the benefits you deserve, and Abell and Capitan Law is ready to take on your LTD case right now. Call Abell and Capitan Law at (267) 419-7888 today to discuss your claim with an attorney.