San Francisco Long-Term Disability Attorneys

San Francisco Long-Term Disability Attorneys

A long-term disability is an injury or illness that interferes with your ability to work for a significant amount of time, which can range from months to years – or all the way to your retirement. Long-term disability insurance is designed to address wide-ranging losses in relation to an injury or illness that keeps you off the job. If you’ve suffered an illness or injury that interferes with your ability to work, protect the benefits you’re owed by consulting with experienced San Francisco long-term disability attorneys today.

How Does LTD Coverage Work?

While policies and coverage vary considerably, most long-term disability (LTD) coverage affords wage replacement at a specific percentage of your pay if you’re unable to work due to an injury or illness that isn’t job-related. Because it does cover long-term losses, LTD coverage is a valuable perk for employers to offer. 

However, each policy also has very specific restrictions and exclusions that employees need to know. For example, many employers implement a waiting period of a specific number of weeks that corresponds with the duration of coverage. By discussing your claim with knowledgeable San Francisco long-term disability attorneys, you can better understand what benefits are available to you and how to submit a claim.

How Does ERISA Impact LTD Claims?

The federal government enacted the Employee Retirement Income Security Act (ERISA) to help ensure that employees receive the benefits they’ve been promised, and while the legalities are challenging, the protections are considerable. ERISA governs most employer-sponsored benefit plans by overseeing important matters like the following:

• The requirements for employee eligibility
• The vesting of employees, which generally involves working for a specific amount of time before the full benefit kicks in 
• The funding of benefits
• The information that must be disclosed to employees

When LTD Claims Are Denied

Sometimes, LTD claims are denied for mundane reasons, such as failure to supply all the necessary information. At other times, however, these claims are denied for more ambiguous reasons – often in an effort to pad profits. Many insurance companies have been known to deny valid claims for something as minor as a clerical error on the application. 

Employees are generally able to appeal LTD claim denials if they feel the decision is unjust, however, the amount of information you can submit after the initial application may be limited. Having a long-term disability attorney in your corner is always to your advantage when filing a claim, and the sooner you involve them in the process the better. 

An Experienced San Francisco Long-Term Disability Attorney Can Help

The practiced San Francisco long-term disability attorneys at Monahan Tucker Law recognize how significant your long-term disability claim is to your future, and we’re committed to fiercely advocating for its best possible resolution. We can help you gather compelling evidence of your condition, assist you in filing an appeal, and if needed, file a lawsuit on your behalf.

Don’t wait to protect your rights by reaching out and contacting us for more information about what we can do to help you today. We proudly serve clients in Wahington, Oregon, California, Nevada, and Arizona.