In the state of Pennsylvania, thousands of adults opt to purchase long-term disability insurance, and many people benefit from it each year. Disability coverage can be an important aspect of keeping yourself protected in the event that you become impaired with a disability.
There are many types of disability coverage, but one of the most common types is private long-term disability coverage. While some choose to opt into employer-sponsored plans, many others opt for private disability insurance.
If you have a private long-term disability insurance policy and recently incurred a disability and are looking to recover benefits, an attorney can help.
What is long-term disability insurance?
Long-term disability coverage benefits those who are unable to work for a long period of time due to a disability. It will provide financial benefits based on a percentage of the recipient’s policy for at least one year, if not more, depending upon the type of policy a person selects.
The group long-term disability option on the otherhand, is provided by an employer in the form of group coverage, those who seek additional coverage or those who are self-employed or whose employer does not offer disability insurance, may purchase a private and individual long-term disability insurance policy from a private insurance broker.
It is important to note that long-term disability insurance only provides wage replacement in the event of a disability, not healthcare or other medical-related services
While many people think that they do not need to purchase disability insurance due to their gender or age, a 2013 article published in Forbes revealed that between 2009 and 2012, 60 percent of long-term disability insurance recipients through Unum, a large disability insurance provider, were women, and 41 percent were younger than the age of 50.
How do I Prove my Disability?
Recovering Benefits from a Private Long-Term Disability Policy
If you have been rendered disabled and are no longer able to return to work for a period of time, you may consider recovering benefits from your private long-term disability policy. However, in the event of a disability, battling with an insurance company over the amount of benefits to which you’re entitled can be frustrating and exhausting. And unfortunately, many insurance companies search for ways to deny people the benefits that they deserve.
If you have suffered a disability, filing your long-term disability claim in an accurate and efficient manner is one of the most important parts of recovering benefits.
As such, it’s important that you correctly document your last day at work, your disability and the date that the injury causing your disability occurred. Furthermore, familiarizing yourself with your policy and benefits can be beneficial in getting the compensation that you deserve. Additionally, make sure that you pay attention to deadlines for filing a claim because an insurance company will deny a claim that is not filed within the deadlines specified.
Consult a Legal Representative for Your Long-term Disability Claim Dispute
If you have been disabled and have private long-term disability coverage, you deserve to be awarded the benefits to which you’re entitled. In order to help file your claim, consulting a legal representative in Pennsylvania is in your best interest.
In the event that your claim is not filled out accurately, it may be at risk for being denied. The attorneys at ARM Lawyers, can provide you with more insight about how to go about filing your claim and what documents you’ll need to get your claim approved.
If your claim has been denied, we can help dispute the denial. For more information about private long-term disability claims in Pennsylvania or to get started on filing your claim, call us today at 570-257-4509 (Stroudsburg), 484-765-8140 (Palmerton), or 610-849-2788 (Bethlehem).