People who have disability insurance claims are unable to return to their jobs for certain periods of time. When an individual is unable to work again for six months or longer, he or she will have what is considered a long-term disability insurance claim.
Because a long-term claim will involve payments being made for longer periods of time, insurance companies frequently place such claims under greater scrutiny. Some people with perfectly valid claims can find themselves having claims denied for various reasons.
Any person who needs assistance with a disability insurance claim should immediately contact Edelstein Martin & Nelson, LLP. Our firm represents clients throughout the greater Philadelphia area.
When a person files a disability claim with an insurance company, one of the most common issues people face are concerns about unreasonable delays by the insurers investigating the clams. When claims are approved, some people face delays in obtaining payments. Another common problem people face with these claims concerns partial payments.
Insurance companies can use various delay tactics in their handling of disability claims. For example, some insurers will frequently change the adjuster assigned to a particular case. In other cases, insurance companies will make repeated demands for additional supporting medical information.
An experienced attorney is familiar with these tactics and can help you navigate these types of insurance company issues. Many cases require administrative procedures to be followed before lawsuits can be filed.
In most cases, a person will be required to have been unable to work for 90 days before he or she can receive long-term disability benefits. Disability payments are a certain percentage of a person’s income.
Depending on certain factors, disability payments are usually between 50 and 60 percent of a person’s regular weekly income. The payments may last for a certain number of years or up until the person reaches 65 years of age.
Insurance companies can make their standards for proving a long-term disability incredibly rigid. You should not have to worry about having to prove that your injuries are preventing you from being able to perform your job.
If you or your loved one suffered serious injuries that will make it impossible to return to work, you will want to contact Edelstein Martin & Nelson, LLP. Our firm has recovered more than $90 million for our clients.
We understand the tremendous financial strain that injuries cause for families. Lost income and medical bills are just two of the types of damages we will fight to seek full compensation for.
You can have our firm review your case and answer all of your legal questions as soon as you call (215) 858-8440 or contact us online to schedule a free consultation. We are familiar with various types of long-term disability claims, including cases involving traumatic brain injuries (TBIs), arthritis, repetitive strain injuries (carpal tunnel syndrome), and other types of injuries.