Long-Term Disability Benefits are intended to provide you with peace of mind and financial security when you unexpectedly find yourself unable to work due to an illness or disability.

Long-Term Disability insurance is designed to provide a monthly income replacement benefit while you are totally disabled from returning to your pre-disability occupation, for the first 24 months following disability. After 24 months, often the terms of coverage change and at that point you must demonstrate you are totally disabled from returning to any occupation for which you are suited by education, training or experience.

There are some policies that provide additional coverage where you are unable to return to your own occupation beyond 24-months.

Most policies have specific terms as to what may constitute a disability. Some common causes include:

Common Causes For Disability Claims

Musculoskeletal Conditions

  • Osteoarthritis
  • Rheumatoid
  • Psoriatic
  • Gout
  • Ankylosing spondylitis
  • Herniated or degenerative disc
  • Back Pain
  • Spine/joint
  • Cartilage sprain
  • Tendonitis
  • Scoliosis
  • Osteoporosis

Cancer

  • Lymphoma
  • Leukemia
  • Testicular
  • Breast
  • Melanoma

Injuries

  • Burns
  • Dislocations
  • Fractures
  • Sprains/ Strains

Psychological Illness

  • Depression
  • Schizophrenia
  • Bipolar
  • Anxiety
  • Obsessive Compulsive Disorder (OCD)
  • Personality Disorder

At Lamont Law, we have experience dealing with all types of Long-Term Disability claims and advocate on behalf of those who find themselves unable to return to work due to an illness or disability and have had their claim or benefits denied.

When you are totally disabled, your focus ought to be your recovery, not about your benefits being terminated despite your efforts to prove to an insurer that you are not able to return to work.

Have you been denied Long-Term Disability Benefits? Were you receiving Long-Term Disability Benefits but have had them terminated despite not being able to return to work?

Contact a Long-Term Disability Benefits Lawyer at Lamont Law

The Long-Term Disability Lawyers at Lamont Law will identify the party(s) that are liable, by conducting a thorough investigation. We work with healthcare professionals to determine the scope of the injuries or illness. Our priority is to ensure that you can focus on your recovery while we focus on your compensation. Contact us today and speak with a Long-Term Disability Lawyer for a free consultation!

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