Long Term Disability
If you suffer an acute injury or illness that prevents you from being able to work temporarily, you may qualify for short term disability benefits. Short term benefits typically last for six months or less. If it is expected that you will not be able to return to work because of ongoing complications from the injury or illness, you may qualify for long term disability. Long term disability insurance payments generally begin paying benefits after six months of illness preventing a person from working and continue paying for a number of years.
How to Get Long Term Disability Benefits
Long term disability can be quite complex. Private long term disability insurance plans can be purchased by your employer or by you as an individual. Premiums are generally paid monthly.
Social Security disability also pays benefits to a person who is unable to work for an extended period (at least a year). No premiums are paid but you pay into the Social Security Disability system through FICA taxes taken out of your paycheck when you work.
It’s important to understand that private long term disability insurance policies are separate entities from Social Security Disability. You may claim both simultaneously. At the law office of Lisa M. Ritacco, we focus on the latter.
Start by Hiring a Lawyer With Long Term Disability Experience
An overwhelming 65 percent of all Social Security disability cases are initially denied. It isn’t because the claims aren’t legitimate — it’s because proving a legitimate disability, particularly one that is long term, takes time. It often requires more review than the application process allows. If your initial claim is denied, you’ll need to file an appeal for a hearing within 60 days of the date of your denial letter.
This is where a lawyer with long term disability experience— such as Lisa M. Ritacco — can be an important ally. Attorney Ritacco will take care of filing the required paperwork for your Social Security claim, ensuring it is accurate and thorough. If your claim is still denied after we have exhausted all channels, you don’t owe a dime in legal fees. This is assurance at its best — completely free of financial risk.
Understanding Long Term Disability Benefits
If you are approved for long term disability benefits, it’s important that you understand you won’t be receiving 100 percent of what your salary was prior to the disability. Long term disability benefits are typically capped at a percentage of that amount — usually not more than 60 percent for full benefits.
You should also understand that long term disability benefits may expire once you reach retirement age. At that time, you may qualify for other types of benefits, such as Social Security retirement benefits. Additionally, you may be periodically required to submit to a review process to determine your continued eligibility for benefits. While some people remain permanently disabled, others do recover well enough to return to work, even after several years.
Long term disability insurance carriers often require a person receiving LTD benefits to simultaneously file for Social Security Disability benefits. LTD benefits can then be offset by the amount of SSD benefits a person is approved for. This can be a complex situation. At the Law Office of Lisa M. Ritacco are experienced long term disability attorneys who can assist you with handling your claims and answer questions about the LTD/SSD offset.
Starting Your Long Term Disability Claim
Attorney Lisa M. Ritacco has nearly a decade of experience specializing exclusively in Social Security disability and SSI claims. If you are filing for long term disability in Pennsylvania, New Jersey, Delaware or Maryland, Attorney Ritacco may be able to help you get the benefits you need.Call 1-877-459-4799 or contact us online today and get the specialized legal representation you deserve.
Have You Been Denied Long-Term Disability Benefits?
If you have a disability for more than six months or more and your doctors expect your medical condition to be ongoing, you may assume you will be able to secure long-term disability benefits. Unfortunately, many people are denied disability benefits — even when they should qualify for them.
If you have been denied long-term disability benefits, you’ll want to read the letter describing the denial. It should explain why you were denied. It may have to do with missed deadlines or incomplete medical information. It could also be that your insurance company has determined that your disability does not meet their definition or requirements for long-term disability.
No matter why you have been denied, it’s important to consult with a qualified disability attorney in your area. An attorney can review your letters and communications with the SSA with you and can help you formulate a plan for appealing the decision. An attorney can also explain why you have been denied and can provide support as you go through the appeals process.
If you have been denied benefits you believe are rightfully yours, contact the law office of Lisa M. Ritacco for a consultation. The law office of Lisa M. Ritacco specializes in disability and workers’ compensation benefits, and this focus means a high level of understanding of the issues surrounding disability claims.
Proving Long-Term Disability Eligibility
If you want to apply for long-term disability, you need to prove your eligibility for benefits. To do this, you must meet definitions of long-term disability: at least six months of current disability as well as medical expectations you will face ongoing challenges due to your condition. You can prove your eligibility benefits by:
1) Getting regular medical treatment.
Missing doctors’ appointments or failing to get regular medical treatment makes it more difficult to prove you have a serious and long-term condition. Always get treatment for your condition and visit your doctor as required to get the best treatment possible. If you develop new symptoms or new concerns, get medical attention and advice for the symptoms.
2) Getting a doctor’s statement.
Disability forms are provided to doctors to help them evaluate patients. However, you’ll also want your doctor to submit a written and detailed statement of your condition and its impact on your life. The more supplementary material you are able to submit along with medical evidence and forms is important, as it helps solidify your position.
3) Getting medical evidence.
Always be prepared to provide medical evidence of your condition, diagnosis, treatment and medical matters. Agreeing to get additional tests or imaging tests to prove your medical condition can be useful.
4) Working with an attorney.
Working with an attorney who specializes in disability benefits can be very useful. Even if you have a disability which should make you eligible for benefits, it does not automatically mean you will get the benefits you are entitled to. An attorney understands the deadlines, requirements and processes involved in applying for benefits and can guide you through the process to ensure you submit the strongest applications or appeal possible.
If you’d like to speak to an attorney who specializes in disability benefits, contact the law office of Lisa M. Ritacco for a free consultation.