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A long-term disability insurance plan is your safety net — one you hope you would never need, but is there for you in the event of a life-altering, worst-case scenario. This is generally provided through employers, especially in high-risk occupations.
No one ever dreams of having to rely on long-term disability insurance in the face of a catastrophic injury or illness. Even worse is when this safety net fails to fulfill its purpose, leaving you without disability benefits and the ability to work ever again.
Our lawyers at Zayouna Law Firm are here to make things right, starting with restoring your safety net. We help you fight your insurer’s decision if they decline to pay, or terminate your long-term disability benefits. You should not be left to suffer the impact of a long-term disability alone.
Long-term disability insurance is meant to protect you, especially when you work in a high-risk occupation where you operate heavy machinery, are exposed to toxins, suffer an accident, or fall ill. It provides income replacement benefits for when you are unable to work — a lifeline for covering your basic needs and accessing crucial rehabilitation treatments, as well as upholding your quality of life.
The reality of long-term disability insurance could not be farther from its purpose. Many survivors of catastrophic injuries and illnesses are doubly burdened by the inability to earn an income, and access rightful disability benefits. Insurance companies are known to rarely make the claims process easy, instead posing barriers, such as:
Was your disability claim denied, delayed, or reduced? Our long-term disability lawyers can help you fight your insurer’s decision. A long-term disability lawsuit allows you to claim your rightful disability benefits, and rebuild your life following a catastrophic injury or illness.
With a successful claim, we can ensure you are guaranteed income replacement benefits, access to crucial resources for healthcare, rehabilitation, and accessibility supports you need due to your long-term disability. Zayouna Law Firm can help you seek compensation for the added pain and suffering caused by denied benefits. Our goal is to reinstate your disability benefits and help improve your quality of life.
The impacts of long-term disability are lifelong. Workplace injuries, motor vehicle accidents, and illnesses can change your life forever, leaving you with mobility or visual and hearing impairments, chronic pain, and lasting mental health struggles.
All of these can hinder your ability to work and earn a living. Long-term disability insurance should protect you from these adverse effects, but it remains an imperfect and difficult system that fails to help you.
The most common diagnoses that qualify for long-term disability benefits:
Even with these common and eligible causes, many insurance companies still deny, delay, or reduce benefits for otherwise valid claims. Our long-term disability lawyers can help you dispute your insurer’s decision. We’ll file a lawsuit to claim your rightful disability benefits and ensure you are supported on your journey to recovery and rebuilding.
At Zayouna Law Firm, we understand the impact of a long-term disability on your quality of life. Our long-term disability lawyers are here to help you navigate treatment, recovery, and income replacement, and ensure you are fully supported with the disability benefits you deserve. See how we help you fight for your rights:
Zayouna Law Firm is dedicated to your well-being and quality of life as you face a long-term disability. From consultation and representation, to your recovery and next chapter, our commitment is tireless advocacy for the disability benefits you deserve. Trust our vast expertise in disability law:
The allowable period for taking legal action on a denied disability claim depends on: when you received the notice of denial; the reason; and when the insurance policy was entered into and whether it had been renewed.
Generally, there is a two-year limitation period in long-term disability claims; however, each claim is unique. An experienced disability lawyer can help you determine these factors and ensure that your lawsuit is commenced as soon as possible, within the allowable timeframe.
The strength of your case and the benefits and/or compensation you may receive will depend on the specific facts and evidence. To build a strong claim, an experienced disability lawyer will need to present exhaustive medical documentation and evidence that detail your diagnosis and its impact on your inability to work. Your long-term disability lawyer can discuss settlement offers with you and ensure that you can make an informed decision on the best amount and terms that you can accept.
After reaching a settlement, you will no longer receive further benefits, since the settlement amount accounts for past and future benefits. This is known as a full and final settlement. However, your insurer may propose a settlement for past amounts owing, and reinstate your benefits moving forward for as long as you are eligible.
At Zayouna Law Firm, we have assembled a team of professionals dedicated to serving seriously injured clients with knowledge and sensitivity. Collectively, our highly skilled personal injury lawyers bring decades of experience to the work of helping thousands of injured clients return their lives to their pre-accident state.Read More