New York Long Term Disability Claim Attorneys

1. New York Long-Term Disability Claim Attorneys When you’re unable to earn a living, you’re in a vulnerable position. We know you’re worried about your finances and wondering how you’re going to afford medical treatment. We’ll protect your rights and use our knowledge of the state laws to ensure you receive the maximum payments you need. What is the difference between workers’ compensation and long-term disability? Many people misunderstand the differences between long-term disability (LTD) benefits and workers’ compensation coverage. People sometimes use the terms interchangeably, but these are different types of insurance plans. Workers’ comp provides multiple benefits for anyone who suffers a work-related injury or illness, while long-term disability may replace a percentage of lost wages when someone gets hurt on or off the job and suffers a loss of wages. Injuries and Illnesses Eligible for Long-Term Disability Coverage A long-term disability insurance claim refers to a physical, mental, or emotional impairment that prevents a person from working for a period longer than six months. Every policy is different and might contain variations that indicate what is and isn’t considered a

2. disability. There are also exclusions that could prevent you from collecting benefits if your illness or injury falls under any of those categories. The Employee Retirement Income Security Act (ERISA) enforces regulations and protects an injured worker’s rights. If your employer provides group LTD disability insurance coverage, the policy will fall under ERISA laws. If you suffer a disabling injury or illness, you can request policy information to help you determine whether you’re eligible for coverage and which benefits you are able to receive. Steps Involved in a Long-Term Disability Claim If your employer provides LTD coverage, you can contact their insurance company if your doctor determines that you have a disability and you can’t return to work. Be sure to notify your employer of your injury or illness promptly. Complete the application provided by the insurance company and submit it to begin the claims process. You should include a statement that provides information, such as: Your name and contact information Employer name Job title Employment history Medical condition Date of disability Explanation as to why you’re unable to earn your usual wages Medical documentation         -----------------------------------------------------