Disability Claims

Nationwide Long Term Disability Lawyers
If your employer offers long term disability benefits, you’ve probably been paying part of every paycheck for their premiums. While it has been easy for the insurance company to collect your payments, it isn’t always as easy for you to obtain the benefits you have been paying for when you need them. In fact, collecting benefits can be very difficult, and may require the assistance of an experienced lawyer.

At the law office of Burke, Harvey & Frankowski, LLC, our Long Term Disability lawyers have the skills and knowledge needed to help you obtain the benefits you are entitled to under your LTD plan. With more than 50 years of combined experience, we have gained a detailed insight into the intricate nature of the LTD program and the process of collecting benefits.

Detailed Support during Your Pursuit of Benefits
Working closely with you, we will help you draft your initial claim for long term disability benefits. Our experience allows us to offer the detailed advice you need to understand the questions you are being asked, the information the insurance company requires and the bureaucratic hoops you may have to jump through to collect your benefits.

Unfortunately, many initial claims are denied by the insurance companies. If you have been denied, you should not panic, but do need to understand your rights to file an appeal. Our staff will help you address the reasons behind your denial and will assist you in filing your appeal in a manner that offers you the best chance of obtaining benefits.

Once your claim has been approved, you should start receiving benefits payments within a short amount of time. Your payment amounts will vary, as long term disability programs are all different, but should be at least 50 percent of your wages. It is important to note that you are entitled to any back dated benefits you did not receive while you were waiting for approval of your claim or appeal.

Nationwide Long Term Disability Attorneys; Reduce Your Financial Worry
When you are trying to obtain LTD benefits, the last thing you want to think about is a huge legal bill. Our staff offers our representation solely on a contingency fee basis, meaning that we do not charge you legal fees unless we are successful in helping you obtain the benefits you are entitled to. We also offer free consultations to give you the chance to speak to an attorney without obligation; learn more about our staff and how we can help without ever spending a dime.

Our LTD Lawyers will Help You Receive an Honest Review
Under long term disability plans, individuals who are unable to work due to disability or injury may be entitled to financial assistance. Unfortunately, many individuals who are entitled to receive long term disability benefits encounter resistance from their insurance companies; your insurer is often more concerned about protecting its own profit margins than helping you while you are unable to work. In many cases, insurance companies refuse claims pending an investigation or review by a doctor of their choosing, when in fact, you have the right to be evaluated by an independent physician without ties to your insurer.

At the law firm of Burke, Harvey & Frankowski, LLC, our disability lawyers leverage more than 50 years of combined experience to support disabled and injured individuals throughout the United States. Our knowledge of the long term disability program allows us to offer you the advice you need to understand your rights, the benefits you are entitled to and the options you have for pursuing those benefits. While many insurance companies will try to intimidate you into dropping your claim, or make the process so difficult that you finally relent, we will fight to insure that you receive the payments you are entitled to under your specific program.

You Have the Right to Choose Your Own Doctor
Before approving a long term disability claim, your insurance company may ask you to see a doctor they have chosen for a second opinion. Since you have nothing to hide, doing so may be in your best interests, as their doctor will simply be reinforcing the opinions of your own doctors. It is important to note that you have the right to visit whichever physician you choose, and that your physician’s report must also be considered during the insurance company’s review of your case.

Unfortunately, we know that insurance companies are often heavy handed, and that your claims representative may use intimidation or confusion to convince you to see one of their doctors rather than your primary care physician. Our staff will never allow you to fall victim to insurance company strong arming, instead, we will work with you to help you understand the best ways to comply with your insurer’s requirements while also insuring that your case receives a fair and honest review.

Contact our LTD Attorneys for the Support You Deserve
Many individuals choose to file their initial claim for long term disability benefits alone. While this can be effective at times, you may open yourself to increased coercion or intimidation. Having us in your corner insures that your case is reviewed to the smallest detail, and that your insurance company adheres to your rights at every step in the claims process.