Latest Blog Posts

March 23, 2023

Why Should I Appeal A Disability Claim?

Finding out that your disability insurance provider has denied your claim can be frustrating, confusing and frightening. You and your family were likely counting on those benefits to help make...

February 1, 2023

What Can A Disability Attorney Do For You?

Life does not stop because of a disability. Your mortgage or rent will still need to be paid, and your family still requires food, clothing and other basic necessities. You...

December 1, 2022

What Types Of Physical Conditions Does Disability Insurance Cover?

If you have a disability insurance policy, it is important to understand what that policy covers in case you ever lose your ability to work due to an illness or...

Testimonials

I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...

Former Client

I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...

Ms. B.

As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...

Dr. S.

My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...

Dr. JM

I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...

Dr. FM

am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...

I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...

Paula R.

I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...

Dr. G.

I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...

Helping You Obtain Your Long-Term Disability Benefits in Fort Lauderdale, Florida

When applying for long-term disability or facing denial of a claim, Disability Insurance Law Group can assist you. We have more than 50 years of combined legal experience in helping disabled individuals locate the benefits they deserve. Our attorneys can assist you in applying for long-term benefits. We also provide representation when appealing a denial. Because we understand what is at stake, we will aggressively fight for you.

What Does Long-Term Disability Insurance Cover?

Due to illness or injury, individuals are often unable to work or raise money to help support themselves and their families. Some illnesses and injuries can prevent individuals from working for months or even years. In some instances, the financial loss forces individuals and families from their homes. For this reason, it is important to have long-term disability benefits available.

Long-term disability insurance provides financial benefits should you suffer from a disability lasting more than six months. Such benefits will pay up to 70 percent of your salary for as long as a disability lasts. Long-term policies also, in some instances, allow for coverage for hospital stays.

Reasons For Denial Of Long-Term Disability Claims

Long-term providers often deny claims for a large number of reasons. The insurer may claim there is no medical evidence to back up your claim. Denial can occur due to a missed deadline. The insurer may claim you are not meeting policy terms. And there is such thing as a bad-faith denial.

Examples of bad-faith denial can include:

Insurer denying a claim without providing an explanation for the denial
Delays in approving a claim (the waiting period for acceptance of a claim is long under the best of circumstances)
An insurance company not honoring the terms of its policy
Failing to communicate essential information to the policyholders regarding a claim
Providing an inadequate offer to settle a claim
Failure to enter into negotiations regarding claim disputes

It is important to understand that you can appeal a bad-faith denial of your long-term disability claim. The lawyers at Disability Insurance Law Group have decades of experience representing policyholders in appealing a claim denial. We will be there at your side until a final decision is rendered.

Assistance In Applying For Long-Term Disability Benefits

Ideally, there will be a timely acceptance of your application. However, this can prove difficult if you do not understand what insurance companies are looking for when you apply for benefits. It is advisable to receive legal advice before submitting your application.

We can help you avoid the common pitfalls that result in denial of your application. Because of our knowledge of the process, we know how to file a complete and correct application while at the same time meeting all applicable deadlines.

Contact Our Law Firm Today

Our firm provides legal representation throughout Florida and across the nation. To contact our firm for a free consultation, please call (954)-989-9000.