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New York Long Term Disability Attorneys
The ability to work and make a living for oneself and one’s family is an invaluable asset. When an illness or a workplace injury prevents you from doing your job, it could be both financially and emotionally taxing. New York Long Term Disability (LTD) Benefits can alleviate that burden; but it is very important to understand the basic structure of a Long Term Disability Policy.
Long Term Disability Providers
There are a few institutions that handle long term disability claims and benefits:
- Social Security Administration
- Long Term Disability Insurance, paid for by employer or employee
- New York Workers’ Compensation Board, reserved for on-the-job injuries resulting in disability
Each of these institutions has specific requirements and definitions as to what is covered under its policies; the main question being, “What is ‘disabled’?” Regardless of the terminology, each institution awards LTD benefits as determined by age, the length of time a person is unable to work and earn wages, as well as the length of time required to recover from the disability. A disabled person may choose one or a combination of all these options when filing for long term disability. An experienced New York long term disability lawyer can determine whether you meet the required criteria for one, if not all of these options.
Long Term Disability Benefits
The benefits received from an approved New York long term disability claim is between 50 and 60 percent of a “totally disabled” person’s “pre-disability” monthly earnings. If the person is considered “partially disabled,” the benefit amount is calculated using the percentage of pre-disability earnings lost, and the benefit amount had the person been “totally disabled.” If a person receives disability income benefits from Social Security or the New York Workers’ Compensation Board, the LTD insurance benefit will be offset by the amount received from other sources.
Long Term Disability Insurance Disputes
When dealing with a LTD insurance company, receiving benefits can become a difficult and unending process, even with a legitimate claim. The last thing a person, disabled from injury or illness and unable to earn a living, needs is increased financial and emotional burdens resulting from insurance stalling tactics. An insurance company’s priority tends to be profits, not policy-holders. As a result, they employ “less than ethical” tactics to ensure denial of the claim. However, this only succeeds if a person chooses not to fight the decision.
When up against a New York long term disability claim dispute or denial, the skilled New York long term disability dispute attorneys of Wingate, Russotti, & Shapiro, LLP, can help. With detailed knowledge of long term disability policies and procedures, we are well prepared and dedicated to working with disabled claimants to get the financial support they need and deserve. We treat each case with professionalism, great attention to detail, and compassion. If you are interested in discussing your case with a New York long term disability dispute lawyer, please call us today at 212-222-4336 for a consultation.
