Long-Term Disability Claims and Benefits

Whether you have long-term disability insurance as part of your employer-provided benefits or you have chosen to get this coverage on your own, you want to be able to rely on the fact that, if you sustain an injury that results in long-term disability, this insurance will act as your safety net.

In reality, however, the insurance companies that provide these policies tend to be very reluctant to make payouts on claims, as their goals are typically to:

• Look for ways to try to limit payouts for valid long-term disability claims
• Find “evidence” to deny legitimate long-term disability claims altogether
• Ultimately preserve their own profits – even if it may mean compromising policyholders’ needs and interests.

At Shakeshaft-Gorman Law Firm, LLP our Colorado Springs long-term disability attorney knows how difficult it can be to deal with insurers and is skilled at going up against them to help injured people obtain the full amount of long-term disability benefits they deserve. With the help of our Colorado Springs long-term disability attorney, injured people can be confident that their claims will be resolved as favorably as possible so they can focus on their recovery and future.

Issues Associated with Long-Term Disability Claims

When filing long-term disability (LTD) claims to obtain benefits, here are just some of the issues that may arise:

• Waiting periods – Some LTD policies will require policyholders submitting claims to wait a certain period of time before they can start receiving benefits.
• Severity of the disability – In some cases, LTD policies may require that people are totally disabled in order to receive benefits. Other policies may allow for benefits in the event of partial disability.
• Limited ability to work – When policyholders have impairments that may still allow them to work at some limited capacity, their policies may allow them to receive residual benefits.

A number of other issues may arise when filing long-term disability claims, so it’s best to work with an experienced long-term disability attorney with Shakeshaft-Gorman Law Firm, LLP who can oversee and resolve these issues so you can get the benefits you need and deserve.

Long-Term Disability Claims Denials: What You Need to Know

As you go through the process of filing a long-term disability claim, you should be prepared for insurers to conduct a thorough investigation of your claim and to be looking for reasons to deny your claim.

For instance, it’s not uncommon that insurers will have policyholders followed to try to collect any “evidence” that their injuries may not be as severe as they claim; to this extent, insurers may photograph policyholders engaging in certain activities, and these pictures may be used to deny LTD claims (because, as insurers may contend, the extent of the disability is not as severe as the policyholder claims).

What people should know in the event that their long-term disability claim is denied is that:

• They have the right to appeal insurers’ decisions.
• They will have the best chances of successfully appealing long-term disability claim denials by working with the Colorado Long-Term Disability Attorney at Shakeshaft-Gorman Law Firm, LLP.

UNUM Disability Claims

Was your disability claim denied by UNUM Insurance? Call us 719-635- 5886. We Can Help!!

UNUM Insurance is one of the largest insurance companies in the United States. UNUM receives thousands of claims for disability benefits. Some people with legitimate claims are denied benefits by UNUM.

Here at Shakeshaft & Gorman Law Firm, LLP, we have represented many individuals with disability claims – both short term disability and long term disability against UNUM. We work with you to help put your claim together with real medical evidence and other supporting documentation.

We can help from the you with your disability insurance claim from the initial filing along with any disability insurance appeal all the way through a lawsuit if necessary.

If you have been denied by UNUM Insurance on your claim for short term disability or long term disability benefits or you are just beginning the application process, call us NOW!

Colorado Springs Long-Term Disability Attorney at Shakeshaft and Gorman Law Firm

Are you preparing to file a long-term disability claim? Or has your long-term disability claim recently been denied? If so, Colorado Springs Long-Term Disability Attorneys with Shakeshaft-Gorman Law Firm, LLP are ready to advocate your rights and do what it takes to help you recover financially. Since 1982, Shakeshaft-Gorman Law Firm, LLP has been helping injured people stand up to insurance companies and providing them with superior legal service.

Contact Us Today

Let’s meet to talk about your long-term disability claim. You can schedule a free initial consultation with us by calling (719) 635-5886 or (800) 383-5886. You can also email us using the contact form on this page. We don’t get paid unless or until you get paid, so you have nothing to lose and everything to gain by contacting us today.

From our offices in Colorado Springs, we serve people throughout Colorado, including people in the Denver metro area, El Paso County, the Pike's Peak Region, Colorado Springs, Pueblo, Castle Rock, Fort Collins, Highlands Ranch, Littleton, and Grand Junction.