• When is the best time to file for STD or LTD disability insurance benefits?When is the best time to file for STD or LTD disability insurance benefits?

When is the Best Time to Submit a Claim for either STD or LTD insurance benefits?

The answer to this question depends on numerous factors such as disability policy language, medical support and treating physician medical documentation. In this video, disability insurance attorneys Gregory Dell and Cesar Gavidia discuss some of the common issues encountered when selecting a date of disability. The date of disability determination is most challenging when a claimant’s disability is due to a sickness and not an injury. Our disability lawyers have helped thousands of claimants to apply for LTD benefits and we will walk you through each and every step. Contact any of our disability insurance attorneys for a free immediate consultation.

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There are 2 comments

  • Heather, please feel free to contact our office to discuss your situation to determine what your options may be.

    Stephen JessupJan 2, 2018  #2

  • I need help! I keep going back & forth with my employer & doctor in regards to FMLA & STD. Careworks is awful for my FMLA & METLIFE is making me worse trying to get my STD. I keep getting the run around from absolutely everyone.

    HeatherJan 1, 2018  #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   *****

Steve L.

My disability insurance company gladly cashed the premium checks for 16 years, but turned a blind eye to my multiple medical disability claims. Being unemployed in constant pain for well over a year and having spinal surgery for the condition didn’t impress them, they ended up ignoring me.

Having never been in involved in a contentious legal case before, it was clear I was out of my depth and needed professional legal consultation. The ERISA appeal Ms. Alters sent to the insurance company was well researched for my state’s laws (which are some of the strictest in the country) and made it clear we wouldn’t be ignored. I read it several times, appreciated it a bit more with each reading. I surely felt she was on MY side and my previously *very* high stress level dropped considerably.

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