Disability Insurance Lawyer

Disability Insurance Lawyer

If you need an attorney to help you with filing a disability claim or an appeal, contact our team at Edelstein Martin & Nelson. We help clients all across the country with a wide range of disabilities.

Disability insurance aims to provide you peace of mind and financial security in the event of a disability. However, a rejected disability claim can upend your life in unimaginable ways. Suddenly, the financial stability you thought you had is threatened as medical bills pile up and income becomes uncertain. The added stress of financial hardship can worsen the physical and emotional strain of your disability.

We know this is a life-changing experience, and we’re here to offer our unwavering support during this difficult time. Our team of experienced long-term disability lawyers at Edelstein Martin & Nelson has dedicated their careers to representing professionals like you.

Whether you have individual disability insurance coverage, belong to a group disability plan, or have ERISA coverage, we understand the complex legal landscape surrounding disability insurance claims. Plus, we have a proven track record of success in overturning denied claims.

Who We Represent: Fighting for Your Rights After a Disability Claim Denial

Every professional’s nightmare scenario is suffering a disabling condition that prevents work, followed by a denial of a claim for long-term disability benefits that should provide a lifeline. As a professional, your career has been your passion and the foundation of your financial stability. However, a disability claim that isn’t approved causes financial strain and significant emotional distress.

When you find yourself in these situations, it helps to have skilled disability insurance lawyers on your side. A seasoned team of lawyers, such as Edelstein Martin & Nelson, LLP, can improve your chances of a positive outcome. Our services encompass various legal strategies to fight denied claims and secure disability insurance benefits for the following professionals:

Accountants

You crunch numbers, analyze financial data, and ensure compliance. Now, you suffer an unexpected blow with a debilitating illness or injury and cannot perform your professional duties. In such a dire situation, disability insurance policies are meant to be a lifeline, providing financial support during these challenging times.

Accountants facing disability insurance denials often give reasons such as insufficient medical evidence, claim discrepancies, or misunderstanding your profession’s physical and mental demands. These challenges burden accountants who are already dealing with a disability.

Fortunately, there are legal measures to challenge these denials and secure the benefits you deserve. A key strategy involves an in-depth review of medical records and a careful assessment of your disability claim and insurance policy. Identifying any inconsistencies or errors that led to the denial is crucial. Additionally, presenting compelling medical evidence that validates your disabling condition is necessary.

Lawyers

You’ve spent years honing your skills, advocating for justice, and tirelessly representing your clients. But now, you face a personal battle that hits close to home. Your disability claim meant to provide a safety net in times of need has been denied. The weight of this denial bears down on you, threatening your financial stability, your ability to support your family, and even your professional reputation.

It’s a harsh reality that lawyers, those who champion the rights of others, can themselves become victims of the system’s flaws. Our law firm, therefore, uses a strategic mix of legal techniques. For instance, we conduct a comprehensive review of the claim and denial, identifying discrepancies or oversights. This rigorous analysis also includes a thorough examination of the lawyer’s disability insurance policy to uncover any instances of misinterpretation or misapplication of policy terms.

Medical Professionals

Your years of dedication as a medical professional have been filled with hard work, long hours, and challenging situations. Your passion for healing others has been unwavering. However, life can take unexpected turns, and now you face a disability that jeopardizes your ability to practice medicine.

During hardship, you rely on your disability insurance to provide financial support. It can be disheartening when your claim is denied. Suddenly, the dreams and goals you once had may feel out of reach as you grapple with an uncertain future.

Medical professionals face an intricate set of considerations when dealing with claim rejections. These challenges can be daunting and unique for healthcare professionals, including:

• Doctors
• Surgeons
• Dentists
• Chiropractors
• Therapists
• Laboratory chiefs
• Professionals in the pharmaceutical industry

Facing complicated policy language and insurance companies that don’t take your medical condition seriously can be frustrating. Even a small mistake in your application or uncertain test results can lead to your claim being wrongly denied, so it’s best to contact our attorneys to help you as soon as possible.

Executives

You’ve worked hard for years, climbing the corporate ladder and sacrificing much to become an executive. Your dedication and perseverance have paid off, but unexpected circumstances have hit you hard. A disability has made it tough for you to do your job effectively. You depended on your disability insurance to provide the financial help you needed during this challenging period. Unfortunately, your disability insurance company denies your claim.

When disability insurance companies deny claims, it poses unique challenges for executives. Executive-level disability insurance policies are often comprehensive, so dealing with a rejected claim is complex. Whether it’s a matter of income verification, misinterpretation of job duties, or misunderstandings around policy-specific clauses, executives can find themselves facing a seemingly uphill battle.

Physicians

As a dedicated physician, you have spent years devoted to the well-being of your patients. When unexpected illness or injury strikes, physicians like you rely on disability insurance to provide financial support during your time of need. However, the devastating news of a denied disability insurance claim can disrupt your life, jeopardizing your financial security and casting uncertainty over your future as a healthcare professional.

Physicians face unique issues when dealing with long-term disability claims, and they are often challenged based on the definition of ‘‘own occupation” and the differentiation between total and partial disability. With high-stress work environments and extensive professional responsibilities, the nature of physicians’ work often leads to complex disability cases. In this vulnerable moment, seek professional assistance from a long-term disability lawyer to fight for the benefits you deserve.

Paraprofessionals

You’re a dedicated paraprofessional working to assist others. But suddenly, a disabling injury or illness strikes, leaving you unable to perform your job. In such times, you rely on your disability insurance to provide financial support and protect your well-being. However, to your shock and dismay, your disability insurance claim is denied.

When insurance companies reject long-term disability claims, it’s a daunting challenge for many professionals, including workers in the following roles:

• Teacher’s aide
• Occupational therapy assistant
• Physical therapy assistant
• Personal care assistant
• Home health aide
• Special education assistant
• Mental health technician

Paraprofessionals face unique circumstances and challenges in their individual disability insurance claim denials. Whether it’s the issue of vocational factors or lack of recognition of the physical and mental stress involved in your work, our disability insurance lawyers have the know-how to create customized strategies to secure benefits.

The Intersection of ERISA and Disability Insurance

The Employee Retirement Income Security Act of 1974 can be a complex landscape for professionals who encounter disability. As an employee benefit, disability coverage governed by ERISA carries special provisions and complexities.

For example, disability insurance policies often have two definitions of disability: “own occupation” and “any occupation.” Under the “own occupation” rule, if you cannot perform the specific tasks required for your current job, you may qualify for benefits, even if you can work in a different position.

On the other hand, the “any occupation” rule is stricter, and it says you have to be unable to do any job that matches your education, training, and experience. This rule makes it harder to qualify for benefits since you have to show you can’t work in any reasonable job, not just the one you were doing before becoming disabled.

The application and claims process under ERISA is subject to stringent rules, and thus, denial of these claims is not uncommon. In this instance, an experienced disability insurance lawyer can improve your chances of securing benefits.

The Lump Sum Option: A Game-Changer for High-Income Professionals

High-income professionals facing disability can feel a heavy financial burden when unable to continue their professions. However, many are unaware of an effective relief option: the lump sum buyout.

The Benefits of a Lump Sum Buyout

A lump sum buyout allows the policyholder to receive a one-time payment instead of recurring, scheduled payments. This option could be a financial game-changer. Providing immediate access to a substantial sum offers flexibility in managing financial obligations, investing for the future, or addressing unexpected costs.

FAQs About Disability Insurance for Professionals

What is Social Security Disability Insurance (SSDI)?

SSDI is a federal program that provides disability benefits to individuals who have paid into the Social Security system and meet the program’s strict criteria for disability. Social Security Disability benefits provide long-term support for individuals with severe disabilities that prevent them from engaging in substantial gainful activity.

How is long term disability insurance different from Social Security Disability Insurance?

Long term disability insurance is a private insurance policy that provides income replacement if you cannot work due to a disability. Unlike SSDI, LTD is not a government program and is typically obtained through an employer or purchased individually. Long-term disability benefits can supplement SSDI or provide coverage if you do not qualify for SSDI benefits.

Can I have both Social Security Disability Insurance and long term disability insurance benefits at the same time?

It is possible to receive both Social Security Disability Insurance and long term disability benefits simultaneously. However, the amount of your LTD benefits may be reduced by the amount of SSDI benefits you receive. It’s crucial to review the terms of your LTD policy to understand how it coordinates with other disability benefits.