For over 17 years, I have successfully counseled individuals in all walks of life with the filing of their long-term disability claim. I understand the provisions and terms of all individual and/or group long-term disability policies and I take the necessary steps with our clients to ensure their claim is properly filed with the best possible chance of success.

Before filing a claim for long-term disability benefits, it is important to understand the provisions and terms contained in your individual and/or group disability policy.

I begin with a detailed evaluation of your long-term disability policy. Is your long-term disability policy a private policy? Is this a group policy you have acquired through your employer? What is the definition of total disability in your policy? Does your individual policy have a lifetime benefit or is your benefit payable to age 65? Does your individual and/or group policy provide for a Own-Occupation definition of total disability? Does the Own-Occupation period endure through the entirety of your claim or is it limited to a set period of time? Does your policy provide for partial disability benefits? If your policy provides for partial disability benefits, how is your Pre-Disability Monthly Income calculated? What is the definition of partial disability in your policy? What are the financial benchmarks you need to attain to qualify for a partial disability benefit? Can you work in a new occupation under your policy and still receive your total disability benefits under your policy? What medical support do you need to support your claim for disability benefits under your policy?

I have successfully represented individuals insured under polices issued by Unum, Paul Revere Life Insurance Company, Principal Financial Group, The Equitable Life Insurance Company, Guardian Life Insurance Company, Northwestern Mutual, Mass Mutual, Metropolitan Life, Hartford Life Insurance Company, and Prudential Life Insurance Company among others, and after 17 years I can tell you that it all starts with your Policy.

If you are contemplating filing a claim for total or partial disability benefits under your individual or group disability policy please email me or contact me for a FREE CONSULTATION with regard to your Policy and claim.



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