Long-term disability (LTD) insurance can replace a portion of your income when an illness or injury prevents you from working for an extended period. Depending on your policy, benefits may be available through an employer-sponsored group plan or an individually purchased disability insurance policy.
Our Houston long-term disability lawyers help claimants understand their coverage, prepare claims, respond to insurance company requests, and challenge denied or terminated benefits.
You may need legal assistance if your insurer delays your claim, requests additional medical evidence, disputes whether you meet the policy’s definition of disability, terminates benefits you were already receiving, or denies your claim altogether.
Our attorneys can help gather medical records, communicate with the insurance company, develop evidence of your occupational limitations, prepare an administrative appeal, and protect your rights throughout the claims process.
Choosing the right attorney can make all the difference when you’re fighting for the long-term disability benefits you deserve.
The long-term disability claims process varies depending on your insurance policy, but generally involves submitting medical documentation, reviewing eligibility requirements, and evaluating available benefits.
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Submit your claim with the required medical records and supporting documentation.
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Complete the applicable waiting period outlined in your disability insurance policy.
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Your insurer reviews your evidence and determines whether you meet the policy's requirements.
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Approved claims may receive ongoing payments, subject to policy terms and eligibility reviews.
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Other benefits and return-to-work provisions may affect your LTD payments.
“Own occupation” coverage generally considers whether your condition prevents you from performing the duties of your regular occupation. “Any occupation” coverage typically evaluates whether you can perform other work as defined by your insurance policy. Some policies change definitions after a specified period, so reviewing the terms of your coverage is important.
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 your long-term disability claim has been delayed, denied, or terminated, Tyler & Maderer, PLLC can help you understand your options. Contact our attorneys to discuss your claim and next steps.