Practice Areas
Long Term Disability (LTD) benefits are monthly payments you receive from an insurance company when you are unable to work for medical reasons, typically provided as a group insurance plan through your employer or union. You can also buy individual Long Term Disability policies from a broker if you are self-employed or not covered by a group insurance policy through your employer. Here are common LTD issues that we work with:
Denied Claims
When LTD insurers deny payments to a person who has applied, often claiming there is not enough evidence to support that you cannot work.
Terminated Benefits
When the LTD insurer terminates benefits for a person who has already been receiving LTD benefits.
"Own Occupation" vs "Any Occupation" Disputes
Many policies provide "own occupation" coverage for the first two years and after that you must be disabled from "any occupation."
Chronic Pain and Mental Health Claims
Some disabling conditions cannot be proven through objective evidence like x-rays or CT scans. Chronic pain and psychological diagnoses are often reliant on subjective reporting.
Recovery Plan Compliance
Issues arising when insurance companies claim you haven't followed recommended treatment plans.
Subrogation Issues
When you're receiving LTD benefits and also pursuing a personal injury claim from an accident.
Social Media Impact
When insurance companies use your social media posts against your claim.
Pain Threshold Questions
If you can struggle through a workday, but it causes you significant pain, either during or after your workday, you may be entitled to Long Term Disability insurance. If working results in an unreasonable amount of pain, you might not be medically fit to work. You shouldn’t be expected to work at a job that causes you significant pain.
