Disability Insurance

If you develop a debilitating medical condition that prevents you from working, long-term disability (LTD) insurance can protect your income and allow you to focus on your health.  Such policies can replace all or a percentage of your income if you cannot work due to an illness or injury.

It is important to understand your insurance policy, as it includes valuable information that will be necessary should you ever need to file a claim or appeal.

Long-Term Disability and Short-Term Disability Policies

Long-term disability benefits may cover disabling medical conditions for two, five, or ten years; depending on your specific policy, it may even cover you until you reach retirement age.

In addition to long-term disability insurance, you may encounter short-term disability (STD) insurance.  Short-term disability insurance usually typically covers your income from three to twelve months, though some policies may extend to 24 months.

Group Policies and Individual Policies

Disability insurance comes in two forms: group policies or individual policies.  A group policy is one provided as a benefit by your employer, whereas you purchase an individual policy directly from the insurance company.

Group policies may be more basic in coverage than individual policies.  This is because your employer is paying the premiums.  Further, ERISA law governs group policies.  ERISA law is a federal law that has its own set of specific requirements.  It is important to understand these requirements so that the insurance company fairly evaluates your claim or appeal.

A policyholder of an individual policy pays the premiums.  Therefore, they can tailor the policy to fit their needs.

Chisholm Chisholm & Kilpatrick Can Help with Your Claim or Appeal

Regardless of what type of type of disability insurance you have, it is always beneficial to consult with an experienced attorney.

CCK understands the requirements claimants must meet for different disability policies.  We will thoroughly review your policy and definition of disability in order to determine the best evidence to gather for your claim or appeal.  Additionally, we will ensure timely communication with the insurance company and meet all pertinent deadlines.

We believe you should not have to worry about filing for long-term disability benefits.  We want to alleviate this burden so that you may focus on your health.

Call Chisholm Chisholm & Kilpatrick today for a free consultation with a member of our team at (800) 544-9144.