New Jersey Long-Term Disability (ERISA) Attorney
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.