A long-term disability is an injury, sickness, or medical condition preventing you from doing your work. Most people who get long-term disabilities are sick, not injured. Long-term disabilities can happen to any age group, and having the right coverage is crucial.
Our top New Jersey long-term disability claims firm has successfully handled numerous claims for clients from every conceivable employment background. We’ll guide you through the entire claims process, work with your carrier, interact with your health providers, and do everything possible to ensure that your benefits are maximized and the roadblocks to payment are minimized.
Long-term disability is important because it helps cover up to six months of lost income if you become ill or injured. If you have long-term disability coverage, you may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).
Many individuals maintain private long-term disability insurance or receive it as part of their employment package. The benefits from these policies, which are often quite significant, provide financial security for those who become occupationally disabled for a significant period.
However, insurance carriers and the firms they hire to administer claims can be quite difficult to deal with when you file a claim. At a time when you are extremely vulnerable, they will make the process time-consuming, uncomfortable, and extremely complicated. Having an experienced attorney by your side can make all the difference.
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