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Long Term Disability (LTD)

Long term disability applies to insurance policies issued to employers for their employees under the federal law known as the Employee Retirement Income Security Act (ERISA). These often include disabling conditions that involved the back and other skeletal conditions that can lead to impairments.

Long term disability coverage only provides wage replacement to individuals who experience wage loss due to a disability. This coverage may last for at least one year.

Typically, long term disability benefits are given by employers to their employees through private health insurance companies. This can be obtained either by group or individually. Group coverage is offered through an employer, professional group or association.

If long term disability coverage is offered from an employer, the individual must work for a specified period of time - known as a service wait - prior to becoming eligible for benefits. For professional or association-affiliated LTD coverage the individual must be a member of the group for a set period of time.

To make a successful long term disability claim, your claim must be supported by documental evidence which include consistent medical care. You must also review your insurance policy documents to check on your eligibility. A consistent medical treatment for your disability or medical condition can help support your evidence as well as knowing the status of your policy.

The disability claims process set up by insurance companies and some employer may be difficult, as many claimants are often denied benefits during the initial filing. Hence, you will need to consult with a long term disability lawyer who is knowledgeable with California long term disability to help you in the process of claim preparation and to represent you in claim denial appeals or termination of benefits.

Our experienced California long term disability lawyers have more than 15 years of experience in handling disability claims and representing clients in various state and federal courts including administrative hearings and appeals.

Our skilled disability lawyers will help you evaluate the reasons for denial, get all information regarding your claim for benefits from your employer and the insurance company, and obtain necessary information to support your claim.

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