What happens if your short-term disability coverage runs out and you’re still not able to go back to work? In that case, you’d probably turn to Long-Term Disability (LTD) benefits, which typically kick in after you’ve already been out of work for an extended period of time, such as 180 days.
Getting seriously injured or ill is stressful – add the inability to bring a paycheck home and it can become overwhelming. If you have been permanently or temporarily disabled, or you’ve been diagnosed with a serious health condition, as an employee, you have rights when it comes to taking leave from your job. If you think your rights are being violated, it’s important you have an experienced Long-Term Disability attorney on your side.
Young, Marr and Associates has decades of experience working with Long Term Disability clients – and more importantly – we have an 89.4% success rate doing so, well above the 62% industry standard.
An LTD attorney at Young, Marr and Associates will help you understand your rights, comprehend the process of filing a claim, gather evidence to support your claim, file the necessary (and often time-sensitive) paperwork and if necessary, appeal a claim if you’ve been denied benefits.
If you’re looking to file a claim for benefits due to an accident or illness, your claim has been denied or wrongfully terminated, or you need advice on recovering benefits for yourself or a close family member, let us help you.
Disability insurance is a benefit generally found in an employer’s benefits package. Long term disability insurance covers a portion of an employee’s income, normally about 50%-70%, if the employee is injured or becomes seriously ill and cannot work – usually kicking in after a short term disability policy runs out. On average, short term policies end about 26 weeks after an eligible event. It’s also important to note that if you’re hurt off the job, worker’s compensation does not cover you, which is why long term disability coverage is so crucial. Depending on the company’s plan, long term coverage could be paid in full by you, the employer or the cost could be divided between you and the company.
Call Young, Marr and Associates now and let us focus on getting you the benefits you deserve, so you can focus on your health. We have more than 25 years’ experience working with LTD claims and we will ensure you get the best possible outcome in your case.