Most people get their disability insurance from work. These are group disability insurance policies that cover employees of a company. The Employee Retirement Income Security Act (ERISA) is the law that applies to most group disability policies.
ERISA is a unique area of the law. If you have a disability claim, you should know your rights and obligations under ERISA. Our disability attorneys focus only on representing people with disability claims, disability appeals, and lawsuits for disability benefits.
Understanding Eligibility for Disability Benefits
Generally, an employee has both short-term disability (STD) benefits and long term disability (LTD) benefits from work. Short term disability policies usually pay a disability benefit for 26 weeks. Long term disability may be available to those who are still cannot go back to work because of a medical condition. Long term disability begins after short term disability benefits have been exhausted. Long term disability benefits are paid every month, for as long as the person remains disabled from working, up to age 65 or regular retirement age.
Disability insurance covers all types of medical conditions, such as chronic back pain, fibromyalgia, lupus, chronic fatigue syndrome or “CFS,” strokes, heart attacks, carpal tunnel syndrome, multiple sclerosis or “MS,” diabetic neuropathy, radiculopathy, RSD or CRPS, and mental health conditions. Some disability policies limit the maximum amount of months that disability benefits are paid for certain medical conditions, such as CFS and fibromyalgia.
Let Us Help You
UNUM, CIGNA or LINA, Aetna, Prudential, MetLife, Hartford, Lincoln Financial, Liberty Mutual, and The Standard are some of the major insurance companies that offer disability insurance. Our firm has extensive experience helping people who have disability claims with these companies and more. Our disability lawyers can help at any stage of your disability claim no matter where you are located.
Contact our firm at (800) 969-0488 for a free consultation with a disability lawyer.