If you have recently become disabled and are feeling frustrated or confused while trying to file a long term disability insurance claim, or if you are facing a denial or termination of benefits and have administrative appeal rights available to you, working with an attorney is crucial. If you are unable to work due to physical or mental health impairments, protecting your group long term disability insurance coverage is critical. Insurance companies do not make it easy for you to get the benefits you deserve. There is endless paperwork that must be completed, records as well as physician opinions that must be submitted, and, and policy provisions that must be followed. While you are dealing with the stress of managing your disabling medical impairments, the last thing you want to focus on is battling your insurance company. We serve New Jersey residents with LTD claims in the administrative claim process with the insurance company. Depending on your particular case and the insurance company involved, we can also assist some disabled NY claimants with ERISA-governed litigation in federal court.
At Abell and Capitan Law we will take on the insurance battle for you. Our firm never represents insurance companies and only represents disabled individuals. Our in-depth knowledge of disability law and experience in handling long term disability matters with a variety of insurance companies, allows us to take on even the most prominent insurance carriers. We have a track record of success and are passionate about helping the disabled in New Jersey protect the long term disability benefits they are entitled to.
Why Do You Need a Long Term Disability Lawyer?
Disability law is intricate and unique. Not only is it in your best interest to work with an attorney, but you also want to make sure you are working with a firm that focuses on disability law specifically. New Jersey is unique because the state offers short term disability coverage for eligible residents, but to obtain disability benefits for disabled workers beyond the first 26 weeks of state Temporary Disability Insurance benefits, an individual with group long term disability insurance coverage through his or her employer should pursue and protect his or her group long term disability benefits.
Because the long term disability coverage typically covers a longer period of time, because the monthly benefit amount typically a percentage of one’s pre-disability income, and because the insurance company typically pays these funds from its own pockets, the group LTD claim process can be a painstaking process that requires purposeful action and responding to periodic requests for information. If a disability prevents you from working, insurance companies offer very little help or guidance. Whether you are out of work for the short or long term, insurance companies may be incentivized to minimize or deny your benefits.
Working with an experienced firm can allow you to recover the disability benefits you are entitled to. If you have claims for group short term disability or group long term disability benefits, an attorney can help guide you.
Your benefits may be denied, you may have an employer trying to force you back to work, or you may be dealing with seemingly endless rounds of providing medical records and filling out paperwork. If this is the case, you will need a strong legal advocate.
Why Choose Us?
At Abell and Capitan Law, long term disability insurance claims are our primary focus. Disability matters can be complex. If you have been injured in a non-work related incident and cannot work, disability benefits can keep you financially afloat while you recover. If you are preparing to file a LTD claim or an appeal of a denied or terminated LTD claim, you should consult with an experienced disability insurance attorney.
There is no bad time to consult an attorney during the process of recovering disability benefits and we can help you no matter what stage you are at. While your weekly benefits may vary based on your income and other factors, our deep knowledge of the unique and complex laws that govern group disability insurance claims and can help you maximize the benefits you recover.
Our law firm prides itself on working hard for our clients and maximizing a disabled claimant’s chances of success in the administrative claim process with insurance companies. Our founding partners Erik Abell and Joe Capitan have a great deal of experience handling long term disability insurance matters. Our firm will work tirelessly on your behalf to recover the benefits you need to care for you and your loved ones.
Long Term Disability Insurance Claims
Long term disability insurance claims differ from short term claims in several ways. First, the state of NJ does not have a long term disability program to provide benefits. However, NJ residents with good work histories who have paid into the Social Security system over the years are most often eligible for disability benefits through the Social Security Administration. Second, if your LTD policy is employer-based, it is likely governed by federal law.
The Employee Retirement Income Security Act of 1974, or ERISA, is the law that covers most employer-sponsored plans and is quite complex. Our firm has a deep understanding of ERISA, which is crucial due to the law’s strict guidelines, confusing time limits, and clunky administrative processes. Our firm has built our practice around handling ERISA governed disability claims successfully.
We have experience in dealing with all the major insurance carriers, including Lincoln, New York Life, Reliance Standard Life Insurance, Hartford, Unum, MetLife, Prudential, and others. We understand when they are not following the rules, or trying to minimize or deny your benefits. Our experience and commitment to disability law give us a unique advantage in assisting our clients.
While understanding the administrative process with the insurance company in group long term disability is important, you likely have pressing medical issues that you are more concerned with. Filing an application or appeal for long term disability usually comes after suffering from significant injury or illness. With that in mind, you should protect these group benefits that may be the highest total source of disability income to which you may be entitled.
Unfortunately, dealing with disability insurers can be quite demanding and frustrating at times. Understanding what is required in order to recover benefits may not be readily apparent or obvious. Our team has the experience to ensure you and your loved ones protect the group long term disability insurance benefits payable per the terms of the specific plan or policy.
We can help you at any stage of the administrative claim process with disability insurance companies and possibly in litigation depending on the facts and circumstances of your particular long term disability insurance claim. We have a team in place that will pursue your benefits while providing compassionate care and guidance.
At Abell and Capitan Law, our team can handle short and long term disability insurance claims with compassion and skill. We know how difficult it can be to recover your benefits from long term disability insurance companies and we are here to help.
We are committed to keeping you and your loved ones from struggling under the weight of a group disability insurance claim. To honor that commitment, in most cases we work on a contingent fee basis in which we are not paid any fee unless we recover benefits for our client.
To schedule a free consultation with a disability law attorney, call us today at (267) 419-7888 or fill out one of our online contact forms.