- Communicating with medical professionals
- Securing medical opinions and other documentation
- Communicating with insurance company representatives
- Appealing negative decisions
- Civil litigation
Long-term disability (“LTD”) benefits are typically provided by third party insurance companies who enter into contracts with employers to provide workers with financial assistance when they cannot work because of injuries or illnesses that arose outside of the workplace.
Most LTD plans contain terms that enable an injured or ill worker to receive benefits for up to two years if they can demonstrate that they are unable to perform the essential duties of their “own” occupation. After two years, entitlement typically becomes more difficult to secure. Workers typically only receive benefits when they can demonstrate that that they are unable to gainfully perform “any” occupation.
Disputes often arise as to whether or not a particular worker has been wrongfully deprived of LTD benefits they should between entitled to and deserve. When such disputes arise, Franklin Law can advise you about your options, communicate with medical professionals and the insurance company on your behalf, represent you in appeals and, if necessary, sue the insurance company in Court.