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Long Term Disability Insurance

Indiana Long Term Disability Attorney

Have you ever considered what you would do if you became disabled and were no longer able to work? Long term disability insurance (LTD) is private coverage designed to protect employees, should they become incapable of working in their chosen field due to injury or illness.

In most cases, LTD is provided by your employer. It can cover between 50 and 70 percent of your lost wages, although some policies cover more. LTD policies usually take effect once you’ve been unable to work in your field for six months or longer.

Have Your Benefits Been Denied?

LTD policies can vary in their definition of "disability." This can make it difficult for you to collect the coverage you're owed. If you have been denied LTD benefits, an experienced long term disability insurance lawyer can help fight for your rights to compensation. Contact Fleschner, Stark, Tanoos & Newlin today by completing a free initial consultation form or by calling (866) 684-7229.

Employee Retirement Income Security Act (ERISA)

Most employers provide pension and retirement plans for their full-time employees in exchange for tax benefits from the federal government. Sometimes, these benefits plans are poorly or unethically managed by employers, leaving employees with less than they are owed.

In 1974, the Employee Retirement Income Security Act (ERISA) was passed, which set regulations on how employers communicate, manage, and distribute retirement funds to employees. According to ERISA, plan administrators must:

provide a summary plan description (SPD) that explains how benefits are paid and how employees should file a benefits claim
inform employees of any plan changes in writing
give an annual retirement fund summary report to employees free of charge

If your pension and retirement plan has been compromised or changed without proper procedure, contact Fleschner, Stark, Tanoos & Newlin today. A long term disability insurance lawyer can help you try to negotiate a fair settlement.

Long Term Disability vs. Social Security Disability

LTD is an "occupational" insurance, whereas Social Security Disability (SSD) is an "any-occupation" disability insurance—usually meaning a person cannot collect SSD benefits unless he or she is completely incapable of working, even outside of his or her chosen field.

LTD and SSD insurance can sometimes be disbursed simultaneously. A long term disability insurance lawyer can help explain your benefit options to ensure that you get the maximum amount of compensation needed.