When a long-term disability affects your ability to work, your life can change drastically. The emotional, physical, and financial toll can impact not just you but your entire family. In these times, you need an advocate you can trust.
Kemmitt, Sanford & Kramer is committed to assisting you through these challenging times. Specializing in long-term disability (LTD) claims, our attorneys help Wisconsin residents navigate these complex insurance policies and recover the benefits that they deserve. If you are filing an LTD claim, we urge you to schedule a free consultation today to discuss your case.
LTD insurance serves to partially replace your income when a non-work-related illness or injury prevents you from earning a living. Generally covering between 50-70% of your pre-disability earnings, these benefits can act as a financial safety net.
Coverage can vary based on your policy. While some policies provide benefits for two to 10 years, others offer support up until the policyholder reaches 65 years of age. Different policies also have different definitions of what a long-term disability is. An attorney can help you understand the terms of your LTD insurance policy and options for benefits.
To qualify for LTD benefits, you generally need to have developed a severe medical condition that significantly hampers your ability to work. While different policies may have different eligibility requirements, they often cover the following conditions:
LTD benefits can help keep you and your family financially afloat if you are suddenly unable to work. However, not every case is successful. Receiving a denial on your LTD claim can feel like a crushing blow, but it’s important to know that you have the right to appeal the decision.
Understanding the reason for denial is crucial as it will help you build your appeal and fight for your benefits. Denials can stem from various issues such as:
Under the Employee Retirement Income Security Act (ERISA), you are entitled to file an appeal within 180 days from the date the denial notification is received. This period is critical for gathering additional evidence, correcting any mistakes, and strengthening your case for the appeal process.
An attorney from Kemmitt, Sanford & Kramer can provide invaluable support during the appeals process, from interpreting complex policy terms to collecting all necessary documentation and evidence for a compelling appeal. We have recovered millions of dollars in unpaid and denied benefits for our clients and will fight for your maximum payout every step of the way.
LTD benefits and workers’ compensation serve different purposes. While the former offers partial income replacement for non-work-related injuries or illnesses, the latter is designed specifically for job-related health problems.
Wisconsin law requires all employers with three or more workers to carry workers’ comp coverage, but they are not required to offer LTD. Many people whose employers do not provide LTD opt for private policies. If you’re eligible for both LTD and workers’ comp, however, your LTD benefits could be reduced by any workers’ compensation payments you receive.
The complexities of LTD claims can make the process intimidating, but assistance from an attorney can streamline the process for you and your family. Here are key ways an attorney from Kemmitt, Sanford & Kramer can assist you:
If you’re navigating the complexities of an LTD claim in Wisconsin, you don’t have to go through it alone. Legal guidance can make a significant difference in the outcome of your case.
Contact Kemmitt, Sanford & Kramer today to discuss your specific situation with a Wisconsin LTD benefits attorney. Our expertise in Wisconsin long-term disability benefits law can provide you with the legal edge you need. Call us toll-free at (877) 630–7338 or fill out our online contact form to get started.
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