The effects of a long-term injury or illness on your career and personal life can be devastating – especially when your short-term disability coverage runs out and you still aren’t healthy enough to return to work.
Filling out paperwork to extend your coverage to long-term can also be frustrating. The process is often lengthy, detailed, requires documentation to back-up your case and is time sensitive. An attorney at Young, Marr and Associates can help.
Successfully filing and gaining long-term disability, unfortunately, is not a cut-and-dried process. Luckily, with Young, Marr and Associates on your side, you can rest easy knowing you have an experienced, accomplished Long-Term Disability attorney fighting to get you the coverage you need.
We have decades of experience working with clients to execute the strategic task of ensuring Long-Term Disability coverage. In fact, Young, Marr and Associates has an 89.4% success rate when it comes to getting our clients the coverage they deserve – a much higher success rate compared to the industry standard of 62%.
We will ensure you understand the process of filing an LTD claim, understand your rights, 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.
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.