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Minneapolis Long-Term Disability Benefits Attorney

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There are many different ways in which people purchase long-term disability insurance policies. Some people purchase them from insurance companies directly, while others get theirs through their employers. No matter how you purchased your long-term disability insurance policy, you should be able to rely on the benefits you purchased in advance if you become disabled and unable to work while recuperating.

Sadly, it is not uncommon for insurance companies to deny the most deserving claimants, and not always in good faith. When this happens to you, and you need access to your long-term disability benefits as soon as possible, reach out to a dedicated Minneapolis long-term disability lawyer at Kemmitt, Sanford & Kramer to seek the benefits you are entitled to.

When to Call Us for Help With Your Long-Term Disability Benefits

When you have been diagnosed with a disability and are having trouble figuring out how to access the long-term disability benefits you had planned on, you need an attorney who will:

  • Carefully examine the specific details of your case
  • Provide you with a consultation, free of charge
  • Be willing to come to your home or hospital as needed
  • Customize their approach to handling your case
  • Work on contingency so you do not have to worry about paying any upfront attorneys’ fees

These are just a few of the benefits that you will get when you go with Kemmitt, Sanford & Kramer. Find out more about how our law firm can help you when you reach out to discuss the details of your case.

When You Qualify for Long-Term Disability Benefits in Minneapolis

Most people get long-term disability insurance through their employer. Policies tend to be similar across insurance carriers. Generally, insurers will require that you are out of work for a specified amount of time due to a medical condition that impairs your ability to perform the duties of your job.

Other policy provisions can complicate your entitlement to long-term disability benefits, such as pre-existing condition exclusions, eligibility requirements, limited payment periods for certain conditions, and changing definitions of disability.

You can find out more about whether you have met the requirements to get your long-term disability claim approved when you contact our office for a free consultation. Even if your disability is caused by a workplace injury, you may still qualify for long-term disability benefits if your coverage was in effect.

Workplace Accident Statistics

The last thing we expect when we go to work is to get hurt. Unfortunately, thousands of workplace accidents occur every year across the United States, resulting in severe injuries and devastating fatalities. 

The U.S. Bureau of Labor Statistics (BLS) collects data on workplace injuries every year. It provides the following statistics from its National Census of Fatal Occupational Injuries in 2020 and Employer-Reported Workplace Injuries and Illnesses in 2020.

  • Private employers reported 2.7 million non-fatal workplace injuries in 2020.
  • Employers also reported 544,600 workplace illnesses in 2020. 
  • Occupations with the most workplace injuries and illnesses that resulted in days away from work included nurses, laborers, truck drivers, and maintenance and repair workers.
  • 4,764 fatal work injuries occurred in the United States in 2020.
  • A worker died every 111 minutes from a workplace injury in 2020.
  • Workers in transportation and material moving and construction and extraction jobs accounted for 47.4% of all fatal occupational injuries.

Minnesota Workers’ Compensation Rules and Requirements

In Minnesota, most employers are required to carry workers’ compensation insurance, which provides benefits for employees who suffer injuries on the job. According to Minnesota state law, employers must carry this coverage if they have at least one employee. The employee may be working on a full- or part-time basis.

If your employer has workers’ compensation insurance and you are hurt at work, you could file a claim and recover benefits for medical care and disability. Independent contractors are not eligible for workers’ compensation and certain employees are exempt from coverage, including the following.

  • State and federal government employees
  • Certain farming employees
  • Some interstate trucking and railroad company employees
  • Workers at non-profit organizations who make $1,000 or less per year
  • Household domestic workers earning less than $1,000 in a three-month period from one household

In most cases, workers’ compensation is an exclusive remedy for workplace injuries. If your employer does not carry this coverage despite state law, you could pursue a lawsuit against him or her. Contact an attorney at Kemmitt, Sanford & Kramer to discuss your legal options. 

The Long-Term Impact of a Workplace Injury

A workplace injury can result in serious, long-term complications. Depending on the severity of your injury, you may require lifelong medical care and ongoing physical and occupational therapies. You may need to take weeks off work to recover. 

In some cases, the injury may prevent you from returning to your previous position completely. You may need a modified work schedule or move to a lower-paying position. As a result, you can experience a significant reduction in wages, impacting your life in the long term.

Common types of workplace injuries include the following.

  • Spinal cord injuries
  • Traumatic brain damage
  • Crushing injuries
  • Soft tissue injuries
  • Internal organ damage
  • Occupational illnesses
  • Amputation or the loss of a limb
  • Illnesses due to exposure to toxic materials

What to Expect When You File Your Long-Term Disability Benefits Claim

Despite the fact that you have been paying your monthly policy faithfully, and may have even paid off your policy premium in full, the insurance company is not necessarily going to be willing to approve your claim for long-term disability benefits. Remember, insurance companies are for-profit. Every time they approve a claim for benefits, they lose money.

They have entire teams of people working for them to find opportunities to deny people the long-term disability benefits that they should be able to count on. Make sure you do not let the insurance company take advantage of you during some of the most challenging times of your life. Get a dedicated Minneapolis long-term disability benefits attorney to advocate for your rights.

Contact a Long-Term Disability Benefits Attorney in Minneapolis

When you purchase a long-term disability insurance policy and you become disabled, you should be able to count on your policy to protect you. If you are facing challenges getting your Minneapolis long-term disability benefits claim approved, reach out to an experienced Minneapolis long-term disability benefits attorney at Kemmitt, Sanford & Kramer.

Our law firm offers free, no-obligation consultations to individuals dealing with disabilities in Minneapolis and surrounding cities. Take advantage of this opportunity when you call our office at (877) 630-7338 or complete our convenient contact form.

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