If you have been working for years and suddenly find yourself with a medical condition that makes it difficult to continue your job, you may be wondering about your long-term disability (LTD) insurance. These benefits can provide you with a portion of your regular monthly income to help you pay your bills and support your loved ones.
However, qualifying for long-term disability benefits in Charlotte can be a complicated process. Our dedicated LTD attorneys at The Sasser Law Firm have over 30 years of combined experience helping clients with their workplace insurance benefits. Contact us today to schedule a consultation and receive support throughout your case.
There is no specific medical condition that can automatically trigger LTD, because such policies are generally meant to cover the ability to work. This means that just being diagnosed with an illness, such as cancer, may not be enough if you are still able to perform your job. Therefore, the first thing to consider when determining eligibility for LTD benefits in Charlotte is the language of the policy.
Some policies provide coverage if you are unable to perform your own occupation, and others require you to show you are unable to perform any occupation. The definition of disability is often detailed and not necessarily intuitive. Some medical issues that lead to LTD claims include:
No matter your condition, it is best to discuss your situation with a knowledgeable lawyer to fully understand if you can benefit from LTD insurance.
Just because you have a listed medical condition and are physically unable to work does not mean you will automatically receive LTD benefits. It is still necessary to file a claim and prove that your symptoms prevent you from working to receive the necessary payments.
Because LTD is generally funded through an insurance policy, it is not uncommon for companies to deny a claim when it is not in their best business interest. This is particularly true when a disability is permanent or expected to last for many years. Often, insurers will try to argue that a Charlotte employee does not qualify for LTD benefits by claiming that their medical condition does not prevent them from working or that it is not covered under the relevant policy. If your claim is denied, a skilled attorney can help you file an appeal to pursue the benefits you deserve.
If you need help or have questions about qualifying for long-term disability benefits in Charlotte, meet with a lawyer at The Sasser Law Firm. Our team can help you file a claim and represent your interests if it is denied.
You have worked hard all your life and deserve to receive the benefits you have been promised. Contact our team at The Sasser Law Firm today to schedule a consultation.
The Sasser Law Firm
N/a
