If you’ve ever had to take extended time off work due to illness or injury, you know how important long-term disability (LTD) benefits can be. These benefits are meant to replace a portion of your income when you can’t work, but getting and keeping them isn’t always simple. Insurance companies may delay, deny, or cut off your benefits when you need them the most.
That’s where a long-term disability lawyer comes in to help you protect what’s rightfully yours. In this guide, we’ll break down how LTD benefits work, why claims are often denied, and how a lawyer can step in to protect you every step of the way.
Need help now? Call Peña & Bromberg at (559) 439-9700 for a free consultation with an experienced long-term disability lawyer.
What Are Long-Term Disability Benefits?
Long-term disability benefits are designed to provide financial support when you’re unable to work due to a serious illness, injury, or medical condition. Unlike short-term disability, which usually lasts a few weeks or months, LTD benefits can last for years or even until retirement age.
These benefits are typically offered through employer-provided insurance or private policies. While they’re supposed to be a safety net, insurance companies don’t always make it easy to access them.
Why Do Long-Term Disability Claims Get Denied?
It can be shocking to file a claim and then receive a denial letter. Unfortunately, it’s very common. Insurance companies are businesses, and they often seek ways to reduce costs. Common reasons for denial include:
- Insufficient medical evidence: If your medical records don’t clearly prove your inability to work, insurers may argue you’re still capable. That’s why thorough documentation from your doctors is essential.
- Missed deadlines: Disability claims have strict filing deadlines that are easily missed. Even a small delay can give the insurer a reason to deny your benefits.
- Policy exclusions: Some disability policies exclude coverage for certain conditions or pre-existing illnesses. If your disability falls under one of these exclusions, your claim could be denied.
- Contradictory surveillance: Insurance companies sometimes hire investigators to monitor your activities. If they capture video or evidence that seems to contradict your claim, they may use it against you.
A denial doesn’t mean you’re out of options. It just means you need strong representation from a long-term disability lawyer who knows how to fight back.
How a Long-Term Disability Lawyer Helps You
You don’t have to face the insurance company alone. Here’s how an attorney can make a difference in your case:
1. Understanding Your Policy
Insurance policies are often full of complex and confusing language. A lawyer will break it down and explain exactly what benefits you’re entitled to.
2. Building a Strong Claim
Your lawyer will gather detailed medical evidence, doctor reports, and expert opinions that clearly show why you can’t work. This helps strengthen your application or appeal.
3. Handling Appeals
If your claim is denied, an attorney can file an appeal and present the strongest possible case on your behalf. They’ll also ensure that all deadlines are met, so you don’t lose your rights.
4. Protecting You from Insurer Tactics
Insurance companies may pressure you, request endless paperwork, or even send investigators to watch you. A lawyer knows these tactics and protects you from unfair treatment.
5. Representing You in Court
If your case goes to court, you’ll want a skilled advocate on your side. A long-term disability lawyer can argue your case and fight to secure the benefits you deserve.
The LTD Claim Process: Step by Step
Understanding what to expect can make the process less intimidating. Here’s how a typical LTD claim unfolds:
- Filing the Initial Claim: You submit your application with medical and employment information. A lawyer can ensure everything is accurate and complete.
- Waiting for a Decision: The insurance company reviews your claim, which can take weeks or months. During this time, they may request additional information.
- Receiving a Denial or Approval: If denied, the insurer must give a reason. Many claims are initially denied, but that’s where appeals come in.
- Filing an Appeal: Your lawyer gathers stronger evidence and submits a formal appeal to challenge the denial.
- Court Action (if needed): If the insurer still refuses, your lawyer can file a lawsuit in federal court under ERISA (if it’s an employer plan) or state law (if it’s a private policy).
Each stage can be overwhelming, but having an attorney ensures you don’t miss crucial steps or deadlines.
Why Local Representation Matters
At Peña & Bromberg, we know the Central Valley. We’ve represented clients in Fresno, Bakersfield, Stockton, and surrounding areas for years, helping them fight back against unfair insurance practices.
Working with a local long-term disability lawyer means you’ll get personal attention, not just generic advice. We’re here to listen, answer your questions, and guide you through every step of the process.
Frequently Asked Questions
1. Do I really need a long-term disability lawyer?
While you can technically file a claim on your own, the process is complex and full of strict rules. A lawyer knows how to gather strong medical evidence and present it in a way insurers can’t ignore. Having legal help greatly increases your chances of approval and protects you from costly mistakes.
2. How much does a long-term disability lawyer cost?
You don’t have to worry about paying anything up front because we work on a contingency fee basis. This means we only get paid if you win your case, and the fee comes from a portion of your back pay. Our goal is to make quality legal help accessible without adding financial stress.
3. What if my LTD claim was already denied?
Many disability claims are denied at first, so you’re not alone. A lawyer can review your denial letter, identify what went wrong, and gather stronger medical or vocational evidence. From there, we’ll file an appeal and fight aggressively to get your benefits approved.
4. Can my insurer watch me or investigate me?
Yes, insurance companies often use surveillance or online monitoring to look for inconsistencies in your claim. They may try to use photos, videos, or even your social media activity against you. A lawyer can prepare you for these tactics and protect you from unfair investigations.
5. How long can LTD benefits last?
The length of your benefits depends on the terms of your individual policy. Some policies pay only for a few years, while others may continue until you reach retirement age. A lawyer can review your plan and explain exactly what coverage you’re entitled to.
Contact Peña & Bromberg Today
Filing for long-term disability benefits can feel like a battle, especially when insurance companies seem determined to say “no.” But you don’t have to fight this battle alone. With a skilled long-term disability lawyer by your side, you can level the playing field and give yourself the best chance of success.
Whether you’re filing your first LTD claim, appealing a denial, or dealing with insurer roadblocks, Peña & Bromberg is here to help. Our experienced team will carefully review your case, gather strong evidence, and protect your benefits every step of the way.
Contact Peña & Bromberg today at (559) 439-9700 or complete our secure online form to schedule your complimentary consultation.
You’ve worked hard for your income, let us protect it and help you secure the benefits you deserve.
