Short-term disability (STD) and Long-term disability (LTD) insurance polices are a form of income replacement. Both STD and LTD polices are there to protect your income and financial security in the event that you are injured or too ill to continue working. STD and LTD disability insurance policies can be purchased on your own. Sometimes your employer or union, as a part of your employment agreement, will provided these disability insurance policies to you.
Disability insurance policyholders assume that their Insurance Company will accept and pay a valid claim. Unfortunately, that is often not the case. A significant number of valid claims for STD and LTD disability benefits are either denied Insurance Companies or benefit payments are terminated when they should not be.
The legal professionals at Schiffmann Law have been very successful in holding Insurance Companies accountable and forcing them to live up to their promise to pay you disability benefits.
Our professionals will carefully review your case with a view to developing the most effective legal strategy. We will take steps to force your Insurance Company to pay all disability benefit arrears with interest; and either reinstate terminated polices or pay a negotiated lump sum cash out of all future disability benefits payments.
We will also obtain the medical evidence necessary to support your claim for disability benefits. We will identify and retain the proper medical specialist experts who will provide an accurate diagnosis and prognosis, treatment recommendations and testify regarding the effects that disability on your ability to work. Because we thoroughly prepare these cases for trial, we are often able to achieve a reasonable settlement outside of court.