Unfortunately, just because you are receiving long-term disability benefits now does not mean that your employer's insurance carrier will continue to make payments in the future. As insurance companies feel increasing financial pressure, many disabled people end up paying the price as their benefit payments are stopped.
If you have received a notice that your long-term disability plan carrier no longer considers you disabled and will stop paying you benefits, it is important to contact a lawyer promptly. Generally, you have 180 days to file an appeal, although you may have longer depending on your specific disability plan.
At Shollenberger Januzzi & Wolfe, our attorneys offer a free initial consultation to explain your rights and answer your questions. With offices in Harrisburg and Enola, we represent disabled people throughout central Pennsylvania.
Get Help With Your Disability Claim
Long-term disability (or LTD) coverage is an insurance plan that replaces a percentage of your wages if you are unable to work due to an injury or illness. Initially, you are considered disabled if you are unable to perform the job you left at the onset of your disability. After two years, you must be precluded from doing any job in order to qualify for benefits. If your disability claim is denied at any time for any reason, you have a right to file an appeal to have that decision reconsidered.
Employer-sponsored long-term disability plans are governed by a federal law known as ERISA. Under ERISA, you have a right to hire an attorney and to submit new evidence concerning your disability to the insurance company. However, it's important to contact as attorney as soon as possible, because you may not be able to submit new evidence after 180 days.
Put Shollenberger Januzzi & Wolfe On Your Side
For dependable advice about your legal options after an accident, call our lawyers at 717-260-3549 for a free consultation. We never charge you a fee until and unless our attorneys are successful in having your disability benefits reinstated.