If you have a disability that you believe will prevent you from maintaining work on a long-term basis, a Chandler long term disability attorney may be able to help you explore your options. You may be able to apply for Social Security Disability Insurance Benefits (SSDIB), or you may be able to file a claim with a long-term disability (LTD) insurance company. In some cases, you may be eligible for both types of benefits at the same time.

Social Security Benefits

Social Security benefits may be available for individuals who have an impairment that is expected to last at least a year or be terminal. In a typical case, a claimant’s impairment must preclude them from performing job functions at the most recent job, as well as any other kind of work that he or she performed within the last 15 years. An attorney may advise claimants to seek medical attention and obtain records that can substantiate the limitations that they experience due to their impairments. Claimants can apply online at SSA.gov, by telephone at 800-772-1213 or in person at the Social Security District Office closest to them.

Private Insurance Benefits

If your employer provides you with long-term disability insurance (LTD) or you have your own LTD plan you may be able to file for LTD benefits. Prior to filing a claim with a private insurance company, a long term disability lawyer will want to review the specific language of your insurance policy.

The policy should provide specific information regarding the types of disabilities that are covered and the benefits available. The policy should also explain the filing and processing procedures, including the time limits associated with a claim. Expect your insurance company to request medical records to substantiate your claim. You may also see requests for more information from doctors employed by the insurance company to your treating doctors. Your attorney may advise your treating physician to draft a letter that discusses your medical condition and the limitations that it has caused in your life and on your job.

Legal Assistance from a Chandler Long Term Disability Attorney

If you would like more information about applying for Social Security Disability Insurance Benefits (SSDIB) or long-term disability benefits (LTD) available through a group plan or private insurance company, set up an confidential meeting with a long-term disability attorney at Schiffman Law Office, P.C. today at (602) 266-2667.