Long Term Disability
Long Term Disability Lawyer-for employees in Alabama and Mississippi.
Many employees take solace in the belief that they and their families are covered by insurance policies in the event of unexpected illnesses, short-term disability, long-term disability or death. Insurance policy descriptions sound reassuring, and even essential, to a well-planned life. In reality, however, many people who appear to qualify for benefits discover that getting insurance companies to make good on their own policies is not a given, and not straightforward.
Is Your Safety Net Really Safe?
If you have suffered an on-the-job injury, been injured in a car accident or fallen ill with a long-term or even terminal disease, you may qualify for long-term disability insurance benefits. Tapping into that resource is often not as straightforward as it should be, however. Too often ERISA is turned into a sword to be used against claimants rather than it serving as a shield to protect.
You may have arrived at this website after you attempted to apply for long-term disability benefits after an accidental injury or onset of an illness or chronic medical condition. The long term disability insurance company may be putting up roadblocks. You rightly realize that you may need the help of an experienced, local attorney to help ensure enforcement of your policy terms.
Ask The Martin Law Group, LLC ERISA Case Lawyers, about our traveling “meeting days” coming soon to a city near your home. We regularly visit communities throughout Alabama and Mississippi, allowing potential clients ready access to our attorneys. Schedule a consultation at a law office close to where you live. Contact us for more information.
The following questions may help clarify the challenges and issues that you face as you seek relief through a long-term disability benefits claim:
- How does your long-term disability plan define disability? Will you need help proving that your injury or condition makes you eligible for benefits?
- What is the specified claim process like? How many appeals or requests for review must you make before you can file a lawsuit? It is important to follow the stated remedies to a “T” before rushing to take an insurance company to trial. Can you obtain and assemble all necessary documentation and then present it in a persuasive and effective manner so as to show that the denial of benefits has no reasonable basis?
- Are there likely to be problems related to subrogation and setoffs if you also qualify for Social Security Disability benefits, workers’ compensation benefits or a pension benefit? Sorting these issues out and protecting you from improper setoffs is a job for an experienced long-term disability attorney. Contact us at The Martin Law Group, LLC ERISA Case Lawyers, at our law office if you are in Alabama, Georgia, Mississippi or the southeast and face challenges against your disability benefits.
- Is there a contractual limitation as to when you may file a lawsuit? Be sure to contact an attorney far enough in advance of the deadline for filing a lawsuit if necessary. An insurer will know you mean business once you have a qualified lawyer on your side.
- What kind of track record does your long-term disability insurer have in past lawsuits? A knowledgeable lawyer can help dig up this information and use information from past court actions to help strengthen your claim.
We serve clients in major cities throughout the southeast, including those residing in Huntsville, Mobile, Birmingham, Montgomery, Dothan, Florence, here in Alabama; as well as clients residing in Columbus, Meridian, Jackson, Hattiesburg, Tupelo, or Gulfport, Mississippi.
Contact The Martin Law Group, LLC ERISA Case Lawyers, to discuss your claim with a Montgomery long term disability lawyer.