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Steve Fields

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If I can no longer work, should I quit or use any FMLA or PTO?

Before asking yourself this question, take a step back and identify why it is that you can no longer work. Possibilities include health conditions that result from work-related injuries, personal health conditions that are not the result of work injuries, or health conditions of a family member.

I Received A Letter Saying My Long-Term Disability Benefits Were Denied. What Should I Do?

You’ve been waiting for this letter for some time, and your bills are starting to pile up. When it finally arrives, the shock of learning that you’ve been denied can certainly take it’s toll. Now you have to decide what you need to do to ensure your family is taken care of while you focus on getting better and returning to work. At Fields Disability, our long term disability attorneys are here to help you understand what your legal options are and what you need to do in order to get your disability benefits.

Do I need to apply for Social Security Disability while receiving Long-Term Disability?

When you become disabled, long-term disability benefits are provided to supplement your lost earnings. Long-term disability benefits are usually a portion of your earnings. Most long-term disability policies require that any extra income you receive be deducted (off-set) from your payable long-term disability benefits. This requirement is usually put in place to alleviate the long-term disability carriers’ costs in paying out benefits.

Will I Need to File a Lawsuit?

When you first apply for long-term disability benefits, the insurance company chooses to either accept or deny your case. If your long-term disability claim was denied, you usually have the option to request an administrative appeal where the insurance company conducts a review of your claim. If your appeal is denied, you can then pursue a lawsuit against your insurance company. The lawsuit will be filed in Federal District Court and will be governed by ERISA law.

Why Was I Denied Long-Term Disability Benefits?

Just because your private disability insurance benefits were denied, doesn’t necessarily mean your long-term disability claim isn’t valid. Disability benefits can be denied for several reasons that can be avoided. The long-term disability attorneys at Fields Disability can help you take the steps necessary to get the benefits you need.

Appealing a Long-Term Disability Claim Denial

Long-term disability claims are often denied by the insurance company, requiring many claims to go through an appeal process. At Fields Disability, our long-term disability lawyers can review the details of your claim, identify the reasons it was denied, and we can help you build a successful appeal.

Long-Term Disability Frequently Asked Questions

People who are unable to work due to an injury or disability are often confused an unsure of what their rights are or how to protect their rights. At Fields Disability our long-term disability attorneys are here to help you get answers to your questions. We can explain your rights and help you get the benefits you deserve.

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