Long Term Disability

Some individuals are fortunate enough to have a private long-term disability insurance policy.  The policy, often paid for by the employer, provides that if the person covered by the policy becomes ill or is injured, and as a result is unable to work, the insurance company will provide wage protection. Once again, a simple concept has become complex.

Insurance companies play hardball. They often use the opinions of a team of well-paid doctors to deny wage benefits. In addition, if the employer paid for the disability policy, a complex set of rules stemming from a series of decisions by the United States Supreme Court can possibly control the case. The use of an attorney experienced in long-term disability cases is necessary to combat the denial of benefits.

In handling an ERISA case, as with all other cases, we attempt to provide the person we are representing with individualized service. We do everything possible to fit the case strategy to the person we are representing instead of using a “cookie cutter” approach. Count on the experience of The Law office of Francis K. Culkin, Esq. to represent you in your Long Term Disability case.