Long-Term Disability (LTD) benefits are cash payments made to individuals who are unable to work due to an illness or injury. LTD benefits are typically an employment benefit. Individuals may also purchase their own LTD insurance policy.
The law that exclusively governs LTD benefits is called ERISA, a highly technical and specialized set of rules and regulations. The LTD Plan Documents contain the most important conditions for eligibility for LTD benefits, and should be obtained immediately and retained.
ERISA rules do not allow submission of medical records once the administrative determination is complete. Therefore, it is crucial to manage the claim carefully prior to an administrative decision and to ensure the administrative record is complete.
The Law Offices of Sima G. Aghai has expertise litigating your Long-Term Disability claims through the administrative process. Additionally, we have won may Long-Term Disability cases in United States District Court.
Contact us today at (888) 954-0064 for a an appointment, or fill out our free evaluation form and we will contact you.
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