Long-term disability insurance is a benefit usually offered by an employer or insurance company. Attorneys from Berger and Green can answer your long-term disability insurance claim questions. In addition, if you have been denied disability benefits or wish to file a claim for long-term disability benefits, our Pittsburgh long-term disability lawyers can help you go after the benefits you need.
Contact us today to begin working on obtaining your long-term disability benefits. We offer free consultations, and you do not pay any attorney’s fees until you receive a payout of your claim.
What a Pittsburgh Long-Term Disability Attorney at Our Firm Can Do for You
The world of disability benefits may seem confusing, and going through treatment and dealing with your health condition can only make things more frustrating. In that case, you may want to consider enlisting legal representation while you focus on your health.
Our disability insurance lawyers can assist you with any of the following:
- Long-term disability settlements
- Disability claim denials
- Disability claim appeals
- Retracted benefits
- Social Security claims for mental disability
- Social Security claims for physical disability
If you have been denied long-term disability benefits, you may need to appeal your claim so that you can recover the compensation to which you are entitled. This process could involve negotiating with or challenging the insurance company. If the Social Security Administration (SSA) has denied your claim for disability benefits we can appeal your denial and argue your case before an Administrative Law Judge (ALJ) in a hearing.
What Is Long-Term Disability?
A long-term disability program is offered either through the employer or through a private insurance policy. It aims to cover your pay while you are out of work long term, usually about six months to a year. To prove your eligibility for these benefits, you must show:
- You have received a diagnosis for an injury or illness.
- You are in treatment for this injury or illness.
- You cannot work because of your injury or illness.
Keep in mind that your injury or illness does not have to be work-related. If you have a pre-existing condition, you could qualify for long-term disability benefits, depending on the language in the policy.
Understanding the Difference Between SSDI and SSI
The SSA has two main programs:
- Social Security Disability Insurance (SSDI)
- Supplemental Security Income (SSI)
The former has to do with work credits and how much you have paid in FICA taxes. The latter is more geared towards people with limited income and financial resources.
One of our Pittsburgh disability attorneys can help determine your eligibility and guide you through the process of appealing a denial of benefits.
Long-Term Disability Policies May Run Alongside with Social Security Disability
Many long-term insurance care policies require the policyholder to apply for Social Security Benefits, specifically Social Security Disability Insurance. The Social Security Administration publishes a list of qualifying impairments in the Social Security Blue Book. Some of these impairments are:
- Musculoskeletal disorders
- Digestive system disorders
- Neurological disorders
- Skin disorders
- Genitourinary disorders
- Immune system disorders
- Congenital disorders that affect multiple organ systems
- Endocrine disorders
- Respiratory disorders
- Mental disorders
- Hematological disorders
Long term disability benefits may be reduced by other income sources, such as Social Security disability benefits, Workers’ Compensation, or accumulated sick leave and retirement. In addition to assisting with long-term disability matters, our attorneys can assist you in pursuing a claim for Social Security Disability Benefits or Workers’ Comp.
Our Law Firm Handles Disability Claims on a Contingency-Fee Basis
With medical bills piling up and taking a leave of absence at work, you may hesitate to hire a lawyer for Social Security disability benefits to help you with your case. The good news is that the attorneys at Berger and Green work on a contingency-fee basis, so we cover all costs related to your Social Security disability case and do not require fees out of pocket, upfront, or by the hour.
Instead, we collect our payment at the end of your case—when and if we recover your Social Security disability benefits. This way, you reduce your financial risk and can put all your attention on your health.
Start Working with Our Long-Term Disability Lawyers in Pittsburgh Today
If you have been denied benefits, you should always pursue your right to appeal. We help clients with long-term disability questions. If you have lost your benefits or seek to appeal a decision, our Pittsburgh long-term disability attorneys can help you find answers.
Please contact Berger and Green today for more information about our services. In addition, we offer free consultations to all prospective clients.