While many are familiar with the concept of total disability, there’s another facet of disability insurance that often remains less understood but equally essential: residual disability benefits. These benefits are sometimes called partial disability benefits. These benefits come into play if you experience a partial disability, allowing you to receive compensation for the income loss resulting from your reduced ability to work.| The Maddox Firm
An elimination period is a waiting period between the onset of a disability and when you start receiving long term disability benefits The purpose of the elimination period is to ensure that long term disability insurance benefits are used for serious, long term disabilities. The elimination period also provides the insurance company a period of time to evaluate your medical condition before benefits become due.| The Maddox Firm
Your employer may be able to fire you while you are on short term disability. The answer is complex and depends on the circumstances, including the reasons for termination and the legal protections in place. In this article, we’ll explore what you need to know about being fired on short term disability, your legal rights, and the steps you can take to protect yourself and your benefits.| The Maddox Firm | Long Term Disability & ERISA
Explaining the key steps to successfully returning to work after a disability, how it may affect your benefits, and what you can do to ensure a smooth and supportive transition back into the workplace.| The Maddox Firm
For those suffering from Meniere’s disease, filing for short or long term disability benefits can provide crucial financial relief. However, due to the subjective nature of many of the symptoms, proving your disability to an insurance company can be challenging. It's important to know the types of evidence required, and what to do if your claim is denied.| The Maddox Firm
Long Term Disability Insurance and Social Security Disability have many differences. First, they are funded by different sources. LTD benefits are provided by a private or employer-sponsored insurance policy, while SSDI is a federal government program. Most people with disabilities are eligible to apply for SSDI, but you can only file an LTD claim if you receive long term disability insurance coverage, either as an employee benefit or individual coverage that you pay the premiums for.| The Maddox Firm
Contact a long term disability attorney today. If you have already received an appeal denial, let us file your long term disability litigation for you.| The Maddox Firm
You should consult with a long term disability attorney before filing an appeal of a denial or termination of long term disability benefits.| The Maddox Firm
We know your insurer, your diagnoses, and your symptoms. We've successfully helped hundreds with their short term disability, long term disability, and other ERISA claims, appeals, and litigation.| The Maddox Firm
To file a successful long term disability claim, it’s critical to highlight how your specific condition affects the essential duties of your marketing job. This involves understanding your policy, obtaining strong evidence, and effectively managing communications with your insurance company. We describe the key aspects of proving a short or long term disability claim as a marketing professional and explain the steps that can be taken to ensure your claim is properly supported and presented.| The Maddox Firm
Syncope and vertigo often involve inconsistent and unpredictable symptoms. In this article, we’ll answer key questions about filing for disability benefits for syncope and vertigo, and explain how you can build a strong disability insurance claim to secure the financial support you need.| The Maddox Firm
We provide a comprehensive guide on the key aspects of FMLA and short term disability, offering insight into who qualifies, how to apply, and the crucial steps to take if your benefits are unexpectedly denied.| The Maddox Firm
Short term and long term disability claims can be particularly challenging for individuals living with clotting disorders. We answer common questions about the process, including the critical evidence required to support your claim and what strategies you can utilize to effectively navigate the claims process.| The Maddox Firm
Carpal Tunnel Syndrome (“CTS”) can be a debilitating condition, significantly affecting your ability to perform your job and manage daily activities. Whether you’re experiencing initial symptoms or have been managing CTS for some time, navigating the disability claim process can be overwhelming. We address the most common questions and concerns regarding disability claims for Carpal Tunnel Syndrome - from the early signs that may affect work performance to overcoming claim denials.| The Maddox Firm
Can your disability claim be denied if you refuse a treatment? Yes. When you file a short or long term disability claim, your insurance company expects you to follow the treatment plan recommended by your doctor. However, there are times when you might disagree with your doctor’s recommended treatment, whether due to potential risks, side effects, personal beliefs, or other concerns.| The Maddox Firm
Idiopathic Mast Cell Activation Syndrome is characterized by the inappropriate release of chemicals from mast cells, MCAS can cause a wide range of debilitating symptoms, including severe allergic reactions, chronic fatigue, gastrointestinal issues, and cognitive impairments. In this article, we will explore how MCAS can affect your ability to work, the evidence needed to support a disability claim, and how The Maddox Firm can help secure the benefits you deserve.| The Maddox Firm
When pursuing a long term disability claim, your insurance company may require you to attend an Independent Medical Examination (“IME”). This examination is not conducted by your own treating physician but by a doctor selected by your insurer. Ostensibly, the purpose of the IME is to offer an independent assessment of your medical condition. However, it’s important to approach this with caution as the doctor is paid by the insurance company.| The Maddox Firm
Understanding the impact of Cost of Living Adjustments (“COLAs”) on your long term disability benefits is crucial for maintaining financial stability over time. COLAs are designed to ensure that your benefits keep pace with inflation, preserving your purchasing power as the cost of goods and services rises. We explore how COLAs are determined and applied, their interaction with other benefits like Social Security Disability, and what to do if you believe your COLA adjustments are incorr...| The Maddox Firm
Long Covid can leave you with persistent, debilitating symptoms that severely impact your ability to work. Navigating the complexities of short and long term disability claims can be overwhelming, especially when dealing with an illness that is still not fully understood by the medical community and insurance companies alike. At The Maddox Firm, we have experience handling short and long term disability claims for Long Covid, ensuring that our clients receive the benefits they deserve.| The Maddox Firm
Your employer plays a crucial role in your long term disability claim. Whether you’re concerned about how your employer’s documentation might impact your claim, whether your employer can influence the approval or denial of your benefits, or what happens if your employer is uncooperative, it’s important to be informed. In this article, we’ll addresses key considerations that can affect your long term disability claim and your employment status.| The Maddox Firm
How often do you need to see your doctor to ensure that your claim remains valid and that you receive the benefits you deserve? In this article, we’ll explore why frequent doctor visits are essential, how the nature of your disability may impact the frequency of these visits, and what you should discuss with your doctor during each appointment to keep your claim on track.| The Maddox Firm
This article aims to guide you through the key aspects of proving your sarcoidosis short or long term disability claim, including understanding the challenges, meeting the eligibility criteria, gathering essential documentation, and effectively communicating your case to your insurance company.| The Maddox Firm
Successfully navigating the disability claims process with scleroderma involves a thorough understanding of the medical and vocational documentation required and the specific hurdles that may arise. In this article, we’ll discuss essential information necessary for those with scleroderma to increase their chances of a successful outcome for their short or long term disability claim.| The Maddox Firm
This article aims to guide you through the intricacies of communicating with your long term disability insurer, ensuring you provide enough information to support your claim while safeguarding your personal details. We’ll explore the types of information to include in updates, the risks of sharing too much, and the consequences of not sharing enough, providing you with the knowledge to manage your interactions with your insurer effectively.| The Maddox Firm
One of the most important factors in your long term disability claim is your relationship with your treating physician. Your doctor plays a crucial role in diagnosing your condition, prescribing treatment, and documenting your functional limitations and restrictions to your insurance company.| The Maddox Firm
Bonuses can affect your long term disability claim or your LTD benefit amount. Consult policy language and a long term disability lawyer.| The Maddox Firm
The difference between long term disability insurance and Social Security Disability, and why your LTD insurer requires you to file for SSDI| The Maddox Firm
A New York long term disability attorney at The Maddox Firm will help you file a claim, appeal a denial, or litigate against your long term disability insurance company. We know your insurance company, we know your conditions, and we know your symptoms. We'll get it done the right way. Call to contact a New York long term disability lawyer today. We also have an office in New Jersey, and we help clients nationwide.| The Maddox Firm
