Hamilton, NJ Long-Term Disability (ERISA) Lawyer

Have you given any thought to what you would do if a serious injury or illness takes longer to recover from than you originally planned? What if you’re not only swamped with medical bills, but also lacking funds for every-day expenses because you are unable to work due to your health?

Short-term disability coverage only lasts so long. Sometimes, injuries or illnesses take longer to heal – exceeding the timeframe of your short-term disability coverage. This can be overwhelming, adding financial stress to an already stressful situation.

Young, Marr, Mallis & Associates has decades of experience working with Long-Term Disability clients. It’s our objective to ensure you understand your rights as an employee and to make sure those rights aren’t being violated.

One of our Long-Term Disability attorneys will work with you to make sure you understand the process of filing an LTD claim. They will also help you understand your rights, 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.

Young, Marr, Mallis & Associates has an 80% success rate when it comes to getting our clients the Long-Term Disability coverage they deserve – a much higher success rate compared to the industry standard of 62%.

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 us help you.

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, Mallis & Associates now and let us focus on getting you the benefits you deserve, so you can focus on your health. We have more than 25 years’ experience working with LTD claims and we will ensure you get the best possible outcome in your case.