• Applying for short or long term disability insurance benefits should not be done aloneApplying for short or long term disability insurance benefits should not be done alone

Do I Need to Consult an Attorney Before I File an Application for Long Term Disability Benefits?

LTD Application is an important process and should not be completed without legal advice.

When filing for long term disability benefits through an employer sponsored plan or a private policy, the initial application is extremely important. The application must be completed thoroughly and properly as not to delay or jeopardize future benefit payments. Medical documentation must be accurate and properly document the injury, illness or disease which prevents the claimant from performing the material and substantial duties of their occupation. An attending physician’s statement (APS) should be submitted with the application. The APS is provided by the insurance carriers and asks the doctor to answer specific questions relating to the medical condition of the claimant. Submitting a supportive and detailed APS can be essential to getting a claimant approved for benefits in a timely manner.

Reading and understanding the Long Term Disability contract of insurance is also an important part of the application process. This needs to be done BEFORE an application for benefits is filed. The policy provides the definition of disability applicable to your case and outlines the amount of benefits payable, as well as, the elimination period before benefits become payable.

As the application process is of utmost importance in a Long Term Disability claim, it is essential to contact an attorney to review your policy PRIOR to filing for benefits. For a free consultation and policy review, please contact disability insurance attorneys Dell & Schaefer before you file your long term disability claim.

Leave a comment or ask us a question

There are 2 comments

  • Gary, I do not believe you have made any mistakes. Often once a STD claim ends the carrier will begin a review for entitlement to LTD benefits. If you have questions regarding your situation please feel free to contact our office to discuss your claim further.

    Stephen JessupNov 9, 2017  #2

  • My short term disability ended on November 6, 2017. The insurer is VOYA. I submitted a request for long term disability on Nov. 7. My neurologist has submitted my records to VOYA.

    Have I made a mistake in doing this? Is it too late to be represented?

    Gary G.Nov 8, 2017  #1

FAQ

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Reviews   *****

Stephen E. (Virginia)

Rachel Alters and her paralegal, Sonia R. Nogueira, made dealing with the insurance companies almost like a walk in the park! They kept me informed whenever the insurance companies needed something and we worked out the most efficient means of getting it done. What made working with Ms. Alters and Sonia a dream was their ability to make me feel that I was a SPECIAL client of theirs – and I am well aware that I was not.

But seriously, when working with Sonia when trying to get the correct Social Security disability award info to Lincoln she never once made it seem that it was a bothersome inconvenience to her. She was just great at all times and Ms. Alters, and Dell & Schaefer, should be very proud to have her on board.

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