Long Term Disability Insurance Claim Attorneys Serving Wisconsin Residents
Are you a Wisconsin resident who is unable to work due to an injury or health condition? Are you having trouble figuring out the claims process for your disability insurance company? The long term disability lawyers of Abell and Capitan Law can help you get the financial support you’re entitled to.
For years, our law firm has helped Wisconsin residents secure long term disability benefits in the wake of a serious injury or health condition. Our attorneys are known for:
- Exclusively focusing on long term disability insurance cases.
- Providing caring legal services customized to our clients’ needs.
- Results-driven strategies to secure long term disability benefits as soon as possible.
We understand the unique challenges you face at this time: you might have bills that are piling up, and in the meantime, you can’t make a living. Let us handle your claim so you can restore your peace of mind.
To speak with an attorney about your long term disability benefits, contact us at (267) 419-7888 and schedule a free consultation. Our attorneys are ready to handle your claim, whether you need to appeal a denied claim or you’re just beginning the process.
Wisconsin Disability Statistics
People qualify for long term disability for a number of reasons. In fact, many workers in Wisconsin may qualify for disability at least once during their lifetime. The good news is that long term disability insurance can provide a safety net in the event you can no longer work due to a serious injury or illness.
A review of Wisconsin’s disability statistics reveals:
- 22.7% of adults in Wisconsin have some type of disability. The national average in the United States is 25.6%.
- Disability healthcare expenditures amount to approximately $7.8 billion per year in Wisconsin alone.
- Approximately 10.7% of adults in Wisconsin have a disability that affects their mobility, making it very difficult to walk or climb stairs.
- 9.9% of Wisconsin adults have a disability related to cognition, such as difficulty remembering, concentrating, or making decisions.
- 5.4% of adult Wisconsin residents are disabled due to hearing loss or deafness.
- Vision loss and blindness are responsible for about 2.7% of disabilities in Wisconsin.
- Approximately 35% of adults with disabilities in Wisconsin are more likely to also suffer from high blood pressure and to be inactive.
Why You Need an Attorney for Wisconsin Long Term Disability Insurance Benefits
Although long term disability insurance exists to help people who cannot work, the insurance company will always have their own interests in mind. As a result, filing a claim and securing the benefits you’re entitled to can be an uphill battle. There are also strict deadlines that you must comply with.
With the help of an experienced attorney at the outset, you’ll have a much better chance of getting the financial support you need.
When you choose Abell and Capitan Law to handle your Wisconsin long term disability insurance claim, we will:
- File Your Application: Being injured or sick is stressful enough, and many people are overwhelmed by the claims process. Our attorneys will assist you at every step, we will fully explain the benefits that are available to you, and we will submit your application according to your policy’s requirements.
- Appeal Denied Claims: Claims for long term disability benefits are sometimes denied, especially if you initially filed without the help of an attorney. We can review the reasons for denial, obtain documentation to support your case, and aggressively appeal your denied claim.
- Litigate Your Claim: If the denied claim cannot be successfully appealed, you may have the option of filing a lawsuit to pursue the full amount of benefits. Our team can fight this legal battle on your behalf, and we will work tirelessly toward securing the long term disability benefits you’re entitled to.
FAQs About Wisconsin Long Term Disability Insurance Claims
We regularly receive questions about applying for or appealing a denied insurance claim. Following are some of our most commonly asked questions. Don’t hesitate to contact us if you have any additional questions about your long term disability insurance claim.
Do I need an attorney to get long term disability benefits?
When pursuing long term disability benefits in Wisconsin, hiring an attorney is not mandatory. However, having an attorney help you from the beginning may increase your chances of recovering the full amount of benefits you’re entitled to. An attorney can help you with:
- Preparing and filing your claim.
- Obtaining any necessary documentation and navigating complex disability laws on your behalf.
- Fighting any claim denials.
- Assisting with pre-litigation matters.
- Filing a lawsuit and litigating a case against the insurance company to pursue your full benefits.
You can seek legal help at any point during the disability claims process, even if you initially filed a claim on your own.
Why might my long term disability claim get denied?
A claim for long term disability benefits can be denied by the insurance company for a number of reasons. Some of the most common reasons for denial include:
- Lack of Objective Evidence: It’s common for disability insurance companies to require objective evidence that you are disabled. This may include statements from your doctor or diagnostic testing. If you have a disability with subjective symptoms, such as a mental disorder or chronic pain, providing objective evidence isn’t as straightforward. An attorney can help you obtain the necessary documentation to prove your disability for an appeal.
- “Gainful Occupation” Provisions: Some disability insurance policies have a “gainful occupation” provision. This means that your benefits may be discontinued if you are deemed able to work at any job, even if you cannot perform the job you had at the time of becoming disabled.
- Missed Deadline: Proving your disability after filing a claim is solely your responsibility. Most policies require you to submit a “Proof of Loss” within a specific time period, such as 30 days after filing a claim. If this deadline is missed, you may lose your right to recover benefits.
- New Medical Opinion: Your long term disability benefits may be discontinued even after your claim has been approved. The insurance company might argue that the medical evidence you submitted no longer applies, due to new treatments becoming available or for other reasons.
What is “Total Disability” and “Residual Disability?”
Disability insurance companies often do everything they can to reduce the benefits you receive. They may classify your disability as “total” or “residual,” which affects benefits payout:
- Total Disability: This means that you cannot perform any duties of your occupation, and you are eligible for the full amount of benefits.
- Residual Disability: Residual disability means that you can still perform some of the duties of your occupation. In this case, you will only receive partial benefits.
What’s the difference between long term disability and workers’ comp?
Long term disability and workers’ compensation are both insurance programs that can replace a portion of your wages if you are injured or seriously ill. However, they are completely separate programs and are governed by different laws.
Workers’ comp is specifically for those who’ve been injured on the job. In addition to replacing some wages, these benefits may also cover costs for medical care, rehabilitation, and burial or funeral expenses if the injury led to death.
Long-term disability plans, which you might access through your employer or purchase on your own, are for non-work related injuries only.
When will I receive my long term disability payments?
This depends on the specifics of your plan. Most long term disability insurance plans have an “elimination period,” which is essentially a waiting period. The waiting period may vary from 30 days to even one year.
In some cases, the waiting period serves as the deductible, since you would be responsible for any costs during that time. Typically, there is an inverse relationship between your elimination period and your monthly premiums. For example, if you have a shorter waiting period, then you may have a higher monthly premium.
Speak with a Long Term Disability Insurance Attorney Now
In the wake of a serious accident or illness, it can be difficult to know what to do next. To make matters worse, your disability insurance company might not provide the assistance you expected. At Abell and Capitan Law, our experienced long term disability insurance attorneys can help.
For years, we’ve helped Wisconsin residents get the long term disability benefits they’re entitled to when facing a long-term injury. We can confidently take on big insurance companies, and we won’t back down until you get the financial support you’re owed.
For added peace of mind, we won’t charge you a dime unless we win. To get started with a free legal consultation, contact us today at (267) 419-7888. Our attorneys are ready to evaluate your claim.