If you can’t work due to a serious medical condition, long term disability benefits should give you the money you need to stay stable while you get better. Unfortunately many people in the Town of Essex have trouble accessing these benefits and find it more frustrating than it should be. We at Longo Lawyers often represent people who have had their disability claims denied or had their payments cut off unfairly and now they’re in a tough financial spot when they’re already struggling.
Long term disability insurance is supposed to pay you some of your income if you can’t work due to a sickness or injury. Most people get this through their employer but some people buy their own insurance. Most of the time your insurance will pay you 60 to 70% of your salary before you became disabled, depending on the conditions of your policy and whether your illness is temporary or permanent. It can last for months, years or until you retire. Spinal Cord Injury cases focus on securing resources needed for long-term care, mobility, and independence.
You should feel safe with this insurance but the truth is many good claims are denied or end. There are many reasons why insurance companies deny disability claims and not all of them are fair or right. They can say your medical records don’t prove you’re disabled enough to meet the policy’s definition of disability. They might argue that you can still work in some capacity. They can also say that you can still do some work even if you can’t do your own job. They’ll ask you to get independent medical evaluations from doctors they choose and these doctors often give opinions that go against what your treating doctors say and support the insurance company’s position. Some insurance companies will approve a claim at first but then deny it later, sometimes using surveillance footage or saying your health has improved when your own medical team says otherwise.
The main problem is insurance companies are businesses that make money and there’s a natural conflict between their duty to policyholders and their financial interests. This isn’t fair because disabled people who don’t have a lawyer often have a hard time accessing the benefits and fair treatment they’ve paid for. At Longo Lawyers, we help people understand their rights under their disability insurance and build strong arguments to fight unfair denials. First and foremost in any situation is to review the insurance policy. The exact language is crucial because different policies define disability, exclusions, limitations and other conditions that affect your claim to benefits in very different ways.
Medical proof is the basis for every disability claim. Your doctors need to keep full records of your diagnosis, symptoms, treatment history, functional limitations and prognosis. You may have to go to the insurance company, make an internal appeal or even litigate if you want to challenge a denial of disability. It depends on your situation what’s the best way to do it. Some can be settled by negotiation but others need to go to court and maybe even trial. We will fight for your rights and get you the money you’re owed under your policy no matter what your case requires. Wrongful Death claims support families seeking accountability and financial stability after a tragic loss.
If your long term disability claim has been denied or cut off in the Town of Essex you don’t have to go it alone. You can fight back. We can help you through this and fight for the benefits you need and deserve.