New Jersey Long-Term Disability (ERISA) Attorney
Long Term Disability Defense Attorneys in NJ
You might be wondering why it’s important to hire an attorney to file a claim for Long-Term Disability coverage. The fact of the matter is, the clock probably started ticking way before you realized it was necessary to start the process.
And with time-sensitive deadlines, detailed information, documentation, and other lengthy requirements – an experienced attorney can take the stress off of your shoulders so you can focus on what’s really important – your health.
The effects of a long-term injury or illness can be devastating – especially when your short-term disability coverage runs out and you still aren’t healthy enough to return to work. The process to extend that coverage can be confusing and frustrating. And without proper representation, you might even lose your job, making matters worse.
Young, Marr and Associates has decades of experience working with clients to get them the benefits they need – and deserve! In fact, we have an 80% success rate – a much higher success rate compared to the industry standard of 62%.
We will ensure you understand the process of filing an LTD claim, understand your rights as an employee, gather evidence to support your claim, file the necessary (and often time-sensitive) paperwork and if necessary, appeal a claim if you’ve been denied benefits.
What is Long Term Disability coverage?
Disability insurance is a benefit generally found in an employer’s benefits package. Long term disability insurance covers a portion of an employee’s income, normally about 50%-70%, if the employee is injured or becomes seriously ill and cannot work – usually kicking in after a short term disability policy runs out. On average, short term policies end about 26 weeks after an eligible event. It’s also important to note that if you’re hurt off the job, worker’s compensation does not cover you, which is why long term disability coverage is so crucial. Depending on the company’s plan, long term coverage could be paid in full by you, the employer or the cost could be divided between you and the company.
When to call us:
- If you’ve been injured or ill for an extended amount of time and are preparing to apply for Long Term Disability benefits
- If your claim for Long Term Disability benefits was denied
- If your Long Term Disability benefits have been wrongfully terminated
- If you have any questions regarding your employee/coverage rights
Call Young, Marr and Associates now and let us focus on getting you the benefits you deserve, so you can focus on your health.
ALL CASES ARE OVERSEEN BY FORMER SOCIAL SECURITY LEGAL REPRESENTATIVES
Before coming to Young, Marr & Associates, our SSD attorneys worked for the SSA which gives us an advantage over attorneys who have never dealt directly with the internal SSA system. We know the process is difficult – your job is to get better, and our job is to make sure you get the disability you deserve.
Chances are you are preoccupied dealing with a painful illness. You are concerned about your financial future, about how you will get by without a steady source of income.
Read what our clients have to say about us.
“I have already recommended Paul Young numerous times. He was honest, explained endlessly in terms that were understandable. Paul Young guided me through the process from beginning consultation to the end of case. Highly satisfied and grateful for his expertise.”