Many Californians rarely consider their long-term disability (LTD) policies until a disabling injury or illness strikes. Unfortunately, these policies, meant to be safety nets, may contain loopholes that insurance companies often exploit. This can lead to the denial of your LTD claim.
Fighting for people with disabilities for more than 40 years, we offer valuable legal insights and strategies to help clients going through LTD insurance claim denials in Whittier and Los Angeles. We focus on disability law and are committed to fighting for your rights in the disability claims process.
What Is Long-Term Disability Insurance?
This is a type of coverage that provides financial protection to individuals who cannot work for an extended period due to a disabling illness or injury.
You can acquire long-term disability (LTD) insurance through your employer, union or professional organization, known as group coverage. Alternatively, you can directly purchase individual coverage from an insurance company or agent.
What Kinds Of Conditions Does Long-Term Disability Insurance Cover?
The common conditions covered by long-term disability insurance are:
- Musculoskeletal disorders
- Cancer
- Muscle and ligament strains
- Fractures and sprains
- Mental health issues
- Heart attack
- Stroke
- Circulatory diseases
Our lawyers can facilitate your eligibility for long-term disability benefits by submitting a claim outlining your illness or injury for insurance provider approval.
Benefits Under Private Long-Term Disability Insurance Policies
LTD insurance assists in covering your essential recurring expenses, such as bills, mortgage payments, child care and groceries, when you are unable to work, helping ensure financial support for your household during a period of income loss.
We Are Here To Advocate For Your Claims
If you’ve been unfairly denied a long-term disability insurance claim in California, Leland Law can help you obtain the justice you deserve. Call 562-219-4156 or email us for free consultations and enjoy free attorney services until we are successful in helping you obtain disability benefits.
