Short-term and long-term disability

Injuries resulting in substantial physical incapacitation, such as paraplegia, quadriplegia, and various forms of paralysis, are frequently cited in long-term disability claims. These conditions might stem from car accidents, boating mishaps, motorcycle or bicycle incidents, or even seemingly simple slip-and-fall episodes.

Other persistent disabilities and illnesses, including PTSD and chronic pain, can similarly disrupt your capacity to work over an extended period. Thus, they serve as legitimate grounds for filing a claim for disability benefits. It’s important to recognize that individuals shouldn’t face penalties for their inability to maintain regular work activities when they’re injured through no fault of their own. The process of recovering from significant physical or mental injuries is already agonizing; adding unnecessary financial strain to the equation is unwarranted.

Insurance companies present an array of justifications when denying or discontinuing long-term disability benefits. Addressing these matters might necessitate reviewing and ensuring the completeness, accuracy, and organization of your application.

However, there are instances where the assistance of a long-term disability attorney becomes essential. For instance, insurance providers might dispute your injury claims by asserting that your doctor lacked their approval. In another scenario, the insurer could allege that you surpassed the application time limit, possessed a pre-existing condition, or misrepresented the extent of your injury.

In each of these scenarios, it’s advisable to promptly engage a skilled attorney and seek legal counsel. GB Law is well-acquainted with the strategies preferred by insurance companies and are equipped with tactics to counter them effectively.