Pursuing Long-Term Disability (LTD) Benefits
At KBAR Legal Services, LLP, we help disabled workers obtain long-term disability (LTD) benefits, including in cases when private insurance companies have unfairly denied initial claims. The benefits allowed may also be connected to Social Security benefits applications and require coordination of benefits.
Whether you need to apply for LTD benefits or your claim has been denied, we offer a free initial consultation to discuss your case. If you choose to hire our attorneys, we will represent you on a contingency basis. This means we will not charge you legal fees unless we recover benefits for you.
From our office in Carmel, we represent clients in the Indianapolis area and throughout central, western and Southern Indiana.
What Disability Benefits Are Available?
Long-term disability (LTD) plans typically provide a monthly income that is a percentage of your wages at the time you became disabled. If your disability will last longer than 12 months, you may also be eligible for Social Security Disability (SSD) income. To continue to receive long-term disability benefits after 12 months, you may be expected to apply for SSD benefits.
As your lawyers, we can assist you with your SSD claim as well as your private disability insurance claim. If you do receive disability income from Social Security, insurance companies often reduce payments dollar for dollar. The total benefits you can receive from both may be affected by offset terms in the LTD insurance policy. If the Social Security Administration denies your claim, your LTD benefits may stop altogether. A lawyer on your side can help anticipate and mitigate this possibility with prompt applications and appeals to both SSD and your LTD insurer.
Legal advice can be essential to ensure that you retain access to all sources of help you are eligible for, including SSD and LTD benefits.
Get More Information About LTD And SSD
Our attorneys understand both LTD processes and Social Security Disability law. We can help you coordinate your claims so you can receive the maximum benefits you deserve from either or both programs.