Long-term disability (LTD) insurance offers critical income protection for Houston residents when an illness or injury prevents them from working for an extended period. LTD typically covers 60–70% of your pre-disability earnings, and can last several years. It will sometimes continue until retirement or when the recipient becomes eligible for Social Security. Tyler & Maderer assist clients with LTD claims to help them bypass potential obstacles and preserve their financial security when health issues arise.
Whether your income is derived from a job with group benefits or you’ve purchased an individual LTD policy, proving your disability under strict policy definitions can be daunting. Our Houston firm helps bridge the gap, collecting medical records, preparing submissions, and representing you through claim denials or plan terminations. As a result, you can have peace of mind that your income will be legally protected when you need it most.
Choosing the right attorney can make all the difference when you’re fighting for the long-term disability benefits you deserve.
Many Houston LTD policies define “own occupation” as coverage during the first 2 years if you can’t perform your specific job. “Any occupation” is coverage for when you can’t perform any reasonably suited job based on your skills.
Yes. LTD plans often cover conditions like depression, anxiety, and PTSD, provided you can demonstrate they impair your ability to work long-term.
To give your claim the best chance of approval, it’s important to show clear proof that you meet your policy’s definition of disability. This may include medical records, statements from your doctors, supporting statements from co-workers or supervisors, and vocational reports that explain how your condition impacts your ability to work.
Yes, but your LTD payments may be reduced by the amount you receive in SSDI or workers’ comp.
We do everything within our power to help you gain coverage in Houston, such as preparing appeals, coordinating additional medical documentation, and advocating for reconsideration or hearing decisions.
If you receive a settlement offer, always request it in writing and give yourself enough time to review it carefully. Before making a decision, consider your medical outlook, long-term financial needs, and possible tax implications. We recommend consulting with your attorney, financial advisor, and doctor to make sure the settlement is in your best interest.
If you’re living with a disabling condition that prevents steady work, you don’t have to face the insurance system alone. Tyler & Maderer in Houston is here to fight for your LTD claim, from the first filing to the final appeal. Our practice also focuses on SSDI, VA disability, Special Needs Trusts, and other crucial services. Contact our office today for a consultation and let us help you protect your income and your future.