Disability Insurance Overview

Overview of Disability Insurance

Do you need help with choosing disability insurance, or filing a claim with either governmental or private disability insurance? Contact Edelstein Martin & Nelson for your free consultation to see how we can help.

Disability benefits can be incredibly helpful if you are ever forced out of work due to suffering a serious injury or illness. However, understanding a disability insurance policy can be quite challenging. Trying to file a claim for benefit payments can seem like a complex process. For this reason, it can be incredibly helpful to seek legal assistance.

Regardless of whether you are trying to apply for Social Security disability insurance or disability insurance through your employer, it is important that you understand the claims process and what is expected of you at every step. For this reason, we highly recommend reaching out to our disability insurance lawyers at Edelstein Martin & Nelson, LLP right away.

For decades, we have helped individuals across the nation get benefits payments that they need and deserve from their disability income insurance policy or Social Security. Our team is here to help you understand your rights to disability benefits and help you collect them. If you are interested in seeing how our team can help you with filing for benefits and seeking full compensation, schedule a free consultation with our team today.

We Provide Assistance at Every Step of the Disability Claims Process

Filing a new claim for benefits can be a confusing time. With our skilled legal team by your side, you can rest assured knowing everything will be filed accurately and in a timely manner. Our dedicated disability insurance lawyers are prepared to assist you at every stage of the disability insurance process.

Whether you are just getting started on your claim, or you need to appeal a denied claim, our team will guide you through the necessary steps. If the insurance company unreasonably delays payments of your benefits, we will take an aggressive approach when it comes to pursuing the compensation that you deserve.

Our disability insurance lawyers at Edelstein Martin & Nelson, LLP have earned a reputation as being a trusted legal resource for disability insurance claims and benefits issues across the nation. Our dedicated legal team is well-versed in handling a wide range of disability insurance matters. These include both individual and group disability insurance claims, ERISA claims, insurance bad faith claims, lump-sum buyouts, and “own occupation” or “any occupation” insurance disability benefits claims.

If you need assistance with your disability insurance claim, contact our team as soon as possible. We offer free consultations, so we can meet with you at your earliest convenience to get started.

Fearlessly Fighting Major Insurance Companies For Your Insurance Benefits

The unfortunate truth is that disability insurance policies can be incredibly complex and difficult to understand without the assistance of a knowledgeable disability insurance attorney. Insurance companies will do everything in their power to take advantage of you in order to deny you the money that you deserve. Having a skilled legal team will make sure that you are able to get the money you need.

At Edelstein Martin & Nelson, LLP, we are not intimidated by any major insurance company. Our team has decades of experience fighting for the benefits and compensation that our clients deserve. We have taken on even some of the largest disability insurance companies in the nation. These include:

  • UNUM
  • Lincoln Financial
  • Cigna Group
  • Metropolitan Life Insurance (MetLife)
  • Hartford Insurance
  • Many others

Our dedicated legal team is well-versed in combating the self-serving tactics of each of these insurance companies. We know how to combat surveillance claims and any attempts by the insurance company to discredit your doctor’s opinion. Our extensive resources provide us with the ability to call on outside experts to testify on your behalf.

How Much Disability Insurance Benefits Can I Recover?

The amount of disability insurance benefits that you are able to receive will depend on a variety of factors. This will include the terms of your insurance policy, your income before your disability, and the severity of the disability that you have suffered. Disability insurance benefits are generally designed to replace a portion of your pre-disability income.

Most disability insurance policy limits provide a benefit that is between 50% and 70% of your pre-disability earnings. However, some insurance policies may place a cap or a maximum limit on the total amount of benefits that you can recover. It is crucial to review the specifics of your policy in order to understand the coverage details and the benefit limits.

Additionally, each type of insurance policy will place a limit on the benefit period, that is the total amount of time you can receive payments. In some cases, the benefit period may be limited to two years or five years. Other policies may specify that your benefit period lasts until you reach retirement age.

To determine the exact amount of disability benefits that you may be eligible for, it is highly recommended to review your policy documents. Consulting with a skilled disability insurance attorney can also help you better understand your specific circumstances and what benefits you may be entitled to.

Dedicated Representation for Various Clients

Our dedicated disability lawyers have extensive experience representing injured parties from all walks of life. While working with a diverse range of clients, we are committed to providing each individual with personalized services whiles strategically assisting them throughout the claims process. Some of the professionals that our team has helped over the years include:

  • Professionals and small business owners
  • Executives
  • Lawyers
  • Accountants
  • Paraprofessionals
  • Professional athletes
  • Middle managers
  • Physicians
  • Dentists and dental assistants
  • Medical professionals

If you are interested in filing for long-term disability insurance, short-term disability insurance, or even Social Security Disability Benefits from the Social Security Administration, our dedicated disability lawyers can help to determine if you have a qualifying disability and pursue a claim for compensation and benefits on your behalf. Contact our law firm today to get started.

Handling All Types and Causes of Disability

When it comes to getting disability benefits after suffering injuries or being diagnosed with a serious illness, it is important that you are able to get the benefits that you need and deserve in a timely manner. Unfortunately, when individuals are not familiar with filing claims after suffering a disabling condition, the claims process can be incredibly daunting and drawn out.

Regardless of whether your disability is physical, mental, or a combination of both, our team has the experience and expertise to handle your case. Our team at Edelstein Martin & Nelson, LLP, has successfully represented clients with disabilities resulting from conditions such as:

  • Arthritis: This is by far one of the most commonly cited conditions leading to disability benefits in the United States. Arthritis is considered to be a group of conditions that result in joint inflammation, pain, stiffness, and limited mobility. There are several types of arthritis that a person can suffer from. These include rheumatoid arthritis, osteoarthritis, and psoriatic arthritis. Any of these painful conditions can make it impossible to work, which often leads to individuals filing disability claims to receive benefits.
  • Orthopedic injuries: Orthopedic injuries can be especially painful as they impact the musculoskeletal system. This includes the joints, bones, ligaments, muscles, and tendons. Some common examples of orthopedic injuries include sprains, strains, fractures, torn ligaments, dislocations, and even tendon injuries. These debilitating injuries can be caused by repetitive motions or even accidents. Unfortunately, they can lead to overwhelming pain, limited mobility, and functional impairment.
  • Fibromyalgia: Fibromyalgia is a chronic condition that often leads to widespread pain, sleep disturbances, fatigue, and even cognitive difficulties. Unfortunately, the cause of fibromyalgia is unknown. However, it involves abnormal pain signal processing in the central nervous system. Individuals who have this condition may experience irritable bowel syndrome, mood disorders, and severe headaches, which can last for days and become debilitating. Fibromyalgia can have an overwhelming impact on a person’s ability to work.
  • Brain injuries: Brain injuries can include any trauma or damage that is inflicted on the brain. These injuries often lead to disruptions in the normal function of the brain and can result from various causes. Many people suffer brain injuries as a result of sports, falls, accidents, or even medical conditions. Unfortunately, brain injuries can have wide-ranging effects on the physical, emotional, and cognitive functions of individuals.
  • Mental illness: Mental illnesses can include anything from anxiety, schizophrenia, PTSD, bipolar disorder, depression, or even obsessive-compulsive disorder. His conditions generally impact a person’s emotions, thoughts, and behaviors. Unfortunately, mental illness can disrupt daily life and make it incredibly difficult or nearly impossible for a person to maintain steady employment.

No matter what your illness or injury is, you can depend on our top-notch disability lawyers at Edelstein Martin & Nelson, LLP, to help you file a disability claim in order to receive benefits to help you move forward.

Type of Disability Benefits Available

After suffering an injury or an illness and becoming disabled, you may be interested in filing for disability insurance benefits. In order to receive disability income, you must first determine what type of policy you have. There are several types of disability insurance policies available for individuals who become disabled. Some of the most common include:

  • Short-Term Disability Insurance (STD): STD benefits are designed to provide individuals with income replacement for a limited period of time. In general, the benefits period may last for a few weeks to several months following the date that the injury or condition began. These benefits provide individuals with compensation that is based on the amount of money they were making prior to them becoming unable to work.
  • Long-Term Disability Insurance (LTD): These benefits offer income replacement for an extended period to individuals who are unable to work. The amount of time that a person can receive LTD benefits can last for several years or until they reach retirement age.

In addition, an individual may be able to qualify for Social Security disability benefits through the Social Security Administration. These benefits provide individuals with compensation to alleviate the impact of their lost income. In some cases, individuals are able to get health insurance. However, they will have to pay a monthly premium for coverage. There are generally two types of Social Security benefits that a person can qualify for. These include:

  • Social Security Disability Insurance (SSDI): These benefits are provided to individuals who were working before becoming disabled. To qualify for SSDI, a person must have enough points on the Social Security Administration’s qualification chart.
  • Supplemental Security Income (SSI): SSI benefits provide a monthly payment for individuals who have not worked or do not have enough points to qualify for Social Security disability insurance payments. Individuals who receive SSI are generally those who have limited resources.

If you are interested in applying for disability insurance benefits, you should reach out to our dedicated legal team as soon as possible. Our team can guide you through the application process, help you gather evidence in support of your claim, and fight for fair compensation and benefits on your behalf.

Let Our Disability Insurance Lawyers Help You

Dealing with a sudden and unexpected disability can be incredibly challenging. Trying to get the benefits that you need and deserve can be a confusing a time-consuming process, especially if you have never filed for benefits before. This makes it critically important that you seek skilled legal guidance from our trusted and knowledgeable disability insurance lawyers.

Our knowledgeable and dedicated disability attorneys at Edelstein Martin & Nelson are fully committed to helping each of our clients receive the benefits that they need and deserve. With decades of experience in filing claims and handling appeals on behalf of our clients, you can trust that we will provide you with all of the assistance needed to get your disability insurance coverage right when you need it the most.

To find out how our dedicated and knowledgeable national disability insurance lawyers can help you, reach out to our law firm by calling 215-731-9900 or toll-free at 800-887-4529. Our lawyers can meet with you for a free consultation at your earliest convenience to get started.