Philadelphia Long-Term Disability (ERISA) Attorney
You’ve been in a horrible accident that’s kept you out of work for several months. Or, maybe you were diagnosed with a rare, debilitating disease that makes it impossible for you to be mobile.
You are not alone. Every day people across the United States are in car accidents, take unexpected falls or are diagnosed with illnesses that keep them from being able to work for extended periods of time.
While there are laws created specifically to protect employees’ jobs and financial income when tragedy strikes, the process of getting approval for benefits isn’t always clear-cut.
If you’ve experienced an unexpected tragedy or been diagnosed with an illness that keeps you from working, an attorney with Young, Marr and Associates can help you get the benefits you deserve.
If you’re planning to file for Long Term Disability (LTD) benefits, you need an experienced attorney on your side. We can help you understand the process, gather important 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.
We have more than 25 years’ experience working with Long Term Disability clients in Pennsylvania with an 89.4% success rate doing so, which is well above the industry standard.
So, if you’re looking to file a claim for benefits due to an accident or illness, your claim has been denied or wrongfully terminated, or you need advice on recovering benefits for yourself or a close family member, let Young, Marr and Associates help you.
What is Social Security Disability Coverage?
The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. They are both administered by the Social Security Administration and only individuals who have a disability and meet medical criteria (set by the government) may qualify for benefits under either program.
“Disability” under Social Security is based on your inability to work. The government considers you disabled under Social Security rules if:
- You cannot do work that you did before
- The government decides that you cannot adjust to other work because of your medical condition(s)
- Your disability has lasted or is expected to last for at least one year or to result in death
Social Security Disability Insurance pays benefits to you and certain members of your family if you are “insured,” meaning that you worked long enough and paid Social Security taxes.
Supplemental Security Income pays benefits based on financial need.
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.
How Long-Term Disability Can Help You
- 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. We will ensure you get the best possible outcome in your case.
Our Lawyers Can Help if Your Long Term Disability Application was Denied in Philadelphia
Unfortunately, the federal government program process for getting benefits is slow, tedious and frustrating. Quite often, it requires several appeals.
If you already have filed, but your claim was denied, that doesn’t mean the door is closed for good. More than likely, you worked at some point in your life and paid towards Social Security benefits, which is why it can be so frustrating when your claim is denied. You shouldn’t have to fight for the benefits you’re entitled to.
Our Philadelphia Long-Term Disability Lawyers Can Help
- We will offer you advice and counsel on the law, various requirements, and whether or not you may be eligible for Social Security Disability benefits
- We will review your medical records and determine whether you need more testing
- We will develop medical evidence to support your claim through gathering proper medical records and supportive statements from doctors
- We will prepare you for the hearing
- We will decide if witness testimony is necessary and if it is, make the proper arrangements
- We will gather letters of support from friends, family members, employers, caregivers and other people as necessary to support your claim
- If you’ve been denied coverage, we will review your denial and determine the best possible course of action to reverse the denial
Young, Marr and Associates has been successfully helping clients with the frustrating process of gaining Social Security Disability coverage for more than 25 years. We have represented thousands of claimants during that time who have successfully obtained Social Security benefits.
One of our attorneys will walk you through the process of filing (or appealing) step-by-step, help you to gather important documents and medical files to support your claim, file the necessary paperwork in a timely manner and if necessary, appeal a claim that’s already been denied.
Trying to face the uphill battle of gaining Social Security Disability benefits on your own can be detrimental to your case. Call one of our attorneys today and let us focus on getting you the benefits you deserve – so you can focus on what’s most important – your health. Call us today for a free consultation.
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.”