Long Term Disability (LTD) coverage is basically an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident – for a long period of time.
It sounds pretty cut-and-dry, but often LTD coverage is out of reach for the people who need it most. Sometimes it’s because the paperwork is hard to understand, other times an applicant misses an important and time-sensitive deadline, and sometimes it’s because there’s not enough evidence gathered to support their claim.
The insurance claims process can be tedious and sometimes not quite straightforward. To try and manage the process yourself – especially when faced with an injury or illness – can be overwhelming and potentially detrimental to your claim.
Young, Marr and Associates has decades of experience working with Long Term Disability clients. And not just working with them, but getting our clients the benefits they deserve. In fact, we have an 89.4% success rate in Pennsylvania.
If you’re looking to claim Long Term Disability 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, Young, Marr and Associates can help. We will aid you with everything from filing paperwork – to appealing a claim if LTD benefits have been denied.
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.
Disability claims can be lengthy, confusing and very frustrating. It’s important you find an attorney who has proven success in LTD cases. Call Young, Marr and Associates now and let us focus on getting you the benefits you deserve, so you can focus on your health.
With more than 25 years’ experience, Young, Marr and Associates will use their expertise to ensure you get the best possible outcome in your case.