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Applying For Long Term Disability

Our Long Term Disability Attorneys Are Here To Help
Experienced Lawyers Guiding You Through the LTD Application Process
Applying for long term disability benefits can be a difficult task even under the best of circumstances; when you are injured or disabled, the application process can seem insurmountable. You do not have to face the LTD application process alone, however; the assistance of an experienced lawyer can be very helpful during your pursuit of benefits.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand how difficult and confusing the LTD applications process can be. We also know how important LTD benefits can be to your financial well-being. With more than 50 years of combined experience and a detailed knowledge of the long term disability program, our LTD attorneys work to provide the personalized support you need to understand the application process and to complete your application as quickly and effectively as possible.

Helping You Understand What’s Required in a LTD Application
Applying for LTD benefits can be a complicated process. Unlike other insurance policies, LTD programs require you to clearly demonstrate that your injury or disability prevents you from working. This can be a difficult task, especially since insurance carriers are more concerned about saving money than in supporting you while you are out of work.

Our staff has the experience needed to help you collect all of the information needed to apply for benefits, including medical records, doctors’ recommendations on your condition and employment records. Working on your behalf, we will contact the necessary individuals to gather this information, allowing you to focus on your well-being rather than chasing after your records.

Once the necessary information has been obtained, we work to help you understand the many aspects of the insurance company’s application. Often, these applications consist of a large number of misleading or vague questions that can be difficult to understand and answer. Our LTD application lawyers have worked with clients completing applications across the U.S. and from a number of the nation’s largest insurers. This allows us to offer knowledgeable insight into the information requested of you.

Ultimately, by helping you gather the needed documentation, and assisting you during the actual completion of your application, we work to put you in the best position for obtaining benefits.

Discuss Your Application with a Skilled Long Term Disability Lawyer
While it is possible to complete your initial application without legal assistance, properly filing for benefits can require a coordinated effort between a number of individuals, including your doctors and your employers. Having assistance during your initial filing can put you in a much better position to obtain benefits without having to undergo the lengthy appeals process.

To reduce the stress you feel during this difficult time, we are happy to offer free consultations, allowing you to get to know us and how we can help. We also provide our services on a contingent fee basis, meaning that you do not pay legal fees unless we are successful in helping you recover compensation.

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What Is Long Term Disability?

Skilled Disability Lawyers; Helping You Understand LTD Benefits
Long Term Disability Claims Attorneys Serving Clients Across the U.S.
If you have been injured, or have become disabled and are unable to work, it may be difficult to pay your bills. Fortunately, many employers offer a variety of insurance programs that provide support to injured or disabled employees, including long term disability benefits programs. Under LTD programs, employees who carry coverage are entitled to financial assistance equal to a previously stated portion of their pay; in short, you will receive regular payments that can help you pay important expenses, including your rent or mortgage.

While LTD benefits programs are very helpful on the surface, obtaining benefits can be a much more difficult task than you may expect. Many claims are initially denied by the insurance carriers, leaving deserving individuals without the benefits they are entitled to. There is hope, however, even if your initial claim is denied. At the law firm of Burke, Harvey & Frankowski, LLC, our long term disability attorneys have the knowledge and experience needed to help you pursue the benefits you are entitled to. We make every effort to help you understand the LTD benefits program, the claims process and the options you have if your claim has been denied.

The Basics of Long Term Disability
The first step in recovering long term disability benefits may be to understand the program and what it offers. Our firm offers detailed advice on the basics of LTD programs, including:

What is LTD? Many employers choose to offer their employees insurance programs that provide benefits if they suffer an injury or are unable to work. Unlike workers’ compensation programs, LTD provides benefits for individuals who are hurt outside of work. Under the plan, individuals who are unable to work for extended periods of time are offered a set percentage of their wages for a previously declared length of time.
Who pays for LTD? Employers may choose to fully fund your LTD program, or may choose to have a shared cost plan in which you pay some of the premiums. In some cases, LTD programs are fully funded by the employee themselves.
What are the terms associated with LTD? Coverage terms vary widely from one program to the next, but most cover 50 to 70 percent of the employee’s salary. Duration of the benefits payments can also vary, with some plans paying as long as 5-10 years or even until the employee reaches the average retirement age of 65. Most LTD plans require that the employee is prevented from working for 90 to 180 days before being eligible for benefits.
How does the claims process work? Many individuals seeking LTD benefits choose to file their initial claim without the assistance of an attorney. Unfortunately, even the best prepared claim may be initially denied by the insurance carrier. A denied claim is not the end of the road, however, as the individual seeking benefits has the right to appeal their denial within 90 days of receiving notice. At that point, the assistance of an attorney is invaluable, as the appeals process can be very complicated; an appeals process not properly handled may result in a loss of benefits.
Experienced LTD Claims Attorneys across the United States
If you have been injured or are prevented from working due to a physical or mental disability, it is important that you understand the LTD benefits you are entitled to. Our staff takes great care to offer the personalized and informative advice you need to understand your specific plan and the process of obtaining your benefits.

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Claims Process

LTD Claims Attorneys Helping Clients Nationwide
Lawyers Offering Valuable Insight for Filing for Long Term Disability
Filing a claim for long term disability benefits is often a lengthy process that consists of many steps. While many individuals choose to file their initial claim without legal assistance, an improperly filed claim can result in instant denial; with the right guidance, you may better understand what is required of you and complete a more comprehensive application.

At the law office of Burke, Harvey & Frankowski, LLC, our LTD claims lawyers have the skills and knowledge needed to help you understand the LTD claims process. We’ve spent more than 50 years combined learning the intricacies of the long term disability program, and have gained invaluable insight into the claims process and the steps that can be taken to improve your chances of filing a successful claim.

Long Term Disability Lawyers for all the U.S.
The process of applying for long term disability benefits can quickly become complicated and full of hurdles. Our staff offers detailed advice on every step in the claims process, including:

Filing an initial claim: Many people choose to file their initial claim for long term disability benefits without legal guidance. Unfortunately, the complex nature of the application and the extensive documentation needed can put a strain on you even without the added distractions of your physical condition. We offer advice on the proper methods of completing your claim, and will work closely with your doctors and employers to make sure we have the information needed to file a claim that offers the best chance for success.
Appealing a denied claim: Many initial claims are denied for a wide range of reasons, including insufficient information and lack of coverage. Fortunately, a denial of your initial claim is not the end of your pursuit of benefits; you have the right to appeal the decision with updated information. Our staff will help you gather all necessary documentation, and will help you complete your appeal in a manner that addresses the reasoning behind your denial.
Take your claim to court: Under the ERISA act, you have the right to have your case reviewed by a federal court if all other appeals avenues have been exhausted. During this review, the judge will only be offered the information contained in your claim – no testimony is heard from either side. This makes it imperative to provide every last detail of information related to your case, a task we will gladly assist you with.

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Denial Of Ltd Claim

Disability Claim Denial Attorneys Serving Clients Nationwide
Keep Moving Forward – Hire a Skilled LTD Lawyer for a Denied Claim
Receiving denial of a claim you have submitted for long term disability benefits can be a frustrating and panic-inducing experience; when you are counting on financial assistance from your insurance carrier and are denied, you can quickly run out of viable options for paying your bills. Despite the immediate fear and worry you feel when receiving a denial notice, it is important to note that an initial denial of your claim does not necessarily mean that you have reached the end of your quest for benefits.

At the law firm of Burke, Harvey & Frankowski, LLC, our LTD claim denials lawyers understand the anxiety you may feel when you have been denied long term disability benefits. Fortunately, you are not alone in your denial; a large percentage of individuals are denied a benefits claim on their first attempt. While your denial is not an uncommon occurrence, it is a sign that you should hire an attorney to help you going forward.

With more than 50 years of combined experience, we have the skills and knowledge needed to help clients who have had their initial LTD benefits claims denied for a wide range of reasons, including:

Insufficient information
Improperly completed or filed documents
Missing medical records
Lack of coverage
Insufficient proof of your symptoms and injuries
Nationwide LTD Lawyers: Addressing the Reasons Behind Your Denial
If your insurance company denies your claim, by law they must inform you in writing of the denial. The denial letter must contain the reason for the denial, the specific policy or provision used to deny your claim, any additional information you must provide to validate your claim and the options you have for appealing the decision.

Our staff will carefully examine the insurance company’s denial letter in an effort to determine your best course of action going forward. Once the cause of your denial has been determined, we will help you address your claim’s weaknesses by gathering additional information, further consulting your doctor and resubmitting your application in a more concise format.

Throughout our service to you, we will carefully explain your rights to appeal the denial of your claim, and will work to help you complete your appeal in the manner that offers you the best chance of successfully obtaining the benefits you are entitled to.

If you have been denied LTD benefits, don’t panic. Call us.
If you have received notice that your insurance carrier has denied your claim for long term disability benefits, don’t panic; a large number of claims are denied upon initial review.

While you shouldn’t spend too much time worrying about your denial, you should contact an attorney to discuss your options to appeal the decision. Our staff offers free consultations to give you the chance to discuss your concerns and learn more about your options. We also offer our services on a contingent fee basis, meaning that you do not pay legal fees unless we are successful in helping you obtain benefits.