Long Term and Short Term Disability
Many employed individuals purchase Individual Disability Insurance (DI) to protect themselves from financial disaster in the event of a disability that prevents them from working. Unlike workers compensation, DI supplements an individual's income in cases where his or her sickness or injury was not job related. For this reason, the ability to collect on a DI policy in the case of a long-term disability is extremely important for the average worker.
Why do I need a lawyer?
The primary focus of these companies is to make profits for its shareholders. As the number of claims increase, insurance companies face losses on these policies.
The insurance industry aggressively looks for ways out of paying these policies, and in some cases unlawfully denying many professionals money owed under their insurance policy.
Long-term disability law can be complex to prosecute, especially in cases where the wording of your own policy is unclear.
Insurance companies tend to seize upon any loophole they can find to deny your claim.
It is your responsibility when this happens to seek and retain counsel to explain the process and represent you when dealing with the carrier.
Do I need a lawyer?
Perhaps, depending on the circumstances. A Long Term Disability Claim is much more than just a personal injury claim. Litigating a disability insurance case is different from litigating injuries resulting from an automobile accident or on-the job injuries in worker’s compensation claims.
The world of disability insurance litigation has its own body of case law, history, procedures, and terminology.
Your lawyer may:
- Meet with your doctors when warranted
- Advise you what to do to keep from being terminated in the future
- Consult with non testifying experts
Much of disability law turns on medical documentation and vocational specialists.
We use medical sites to determine the synergistic effects of your medication(s), which can often be more disabling than the condition itself.
We also have resources, which give us up to the minute changes in diagnosis and treatment of medical conditions.
We have found that some of the defense experts' only sources of income come from writing reports for insurance companies. We believe that this provides a strong incentive for them to write biased reports against you in favor of the insurance company. The potential result may be that you unjustly lose the right to your disability benefits.
(Principal Office)
118 SW Fort King Street
Ocala, Florida
(352) 629-0480
(Satellite Office)
802-A N.W. 16th Avenue
Gainesville, Florida
(352) 337-0065
