Long term disabilities can happen to people of any age. When they do, the benefits provided through your employer can help to provide a steady source of income so that you can continue meeting your monthly expenses. As an experienced Chicago long term disability attorney, Bartolic Law is dedicated to helping you get the maximum amount of benefits you are entitled to in your claim. The following are four frequently asked questions we often hear from clients:
The Centers for Disease Control and Prevention (CDC) defines a disability as anything that impairs your ability to perform certain activities or to interact with the world around you. Accidental injuries, chronic health conditions, and sudden illnesses are all common causes of disabilities and can impact your physical and emotional health or your sensory perception (such as a loss of vision or hearing). For the purpose of filing a claim, a long term disability is one that is likely to prevent you from working, both now and in the years to come, and may eventually result in your death.
Long term disability insurance is often offered through your employer as part of your overall compensation package. These benefits help to offset the losses in income you suffer in the event you are unable to work. Depending on the specific policy, benefits may pay up to 60% or more of your normal wages, with benefit periods that may last two, five, or 10 years or up until you reach retirement age.
Information on the terms of eligibility, covered conditions, and benefit periods will be detailed in a summary plan description, included with your policy documents. Under the Employee Retirement Income Security Act of 1974 (ERISA), your employer or plan administrators are required to provide a copy of all benefit related documents free of charge at your request. These will also guide you in filing a claim for benefits, as well as detailing any exclusions or waiting periods required.
If you have already filed a claim for long term disability benefits through your employer and received a denial, you do have the right to file an appeal. ERISA dictates this process and the time limits for filing.
To ensure your claim is approved and that you receive the maximum amount of benefits you are entitled to, get Bartolic Law on your side. Call or contact our Chicago long term disability attorneys online today and request a consultation to discuss how we can assist you.