Long-Term Disability

Lawyers explain Disability benefit requirements

At DeBofsky, Sherman & Casciari, PC , our attorneys assist you in advocating for employer and union-provided benefits in Chicago, statewide throughout Illinois, and nationwide. Impairments considered severe long-term disabilities include:

  • Musculoskeletal disorders
  • Special senses and speech disorders
  • Respiratory system impairments
  • Cardiovascular system impairments
  • Digestive system impairments
  • Genitourinary system impairments
  • Hematological system impairments
  • Auto-immune disorders such as lupus, rheumatoid arthritis, myasthenia gravis, Addison's disease, Graves disease
  • Hepatitis C
  • Fibromyalgia and chronic fatigue syndrome (also known as myalgic encephalitis or chronic fatigue immune dysfunction syndrome)
  • Skin disorders
  • Endocrine system impairments such as diabetes
  • Congenital disorders that affect multiple body systems
  • Neurological and neuromuscular impairments such as multiple sclerosis, amyotrophic lateral sclerosis (ALS), and Parkinson's disease, migraine headaches, or seizure disorders
  • Mental and cognitive impairments
  • Malignant neoplastic diseases
  • Immune system disorders
  • Congenital disorders

Illinois lawyers advocate for your individually purchased insurance or employer provided long-term disability insurance benefits

Typical private or employer-provided insurance is focused on short-term injury or disability. However, most short-term benefits expire after only three to six months. For this reason, many employers also provide a plan that offers long-term benefits. Some people even purchase their own insurance coverage if long-term disability is not provided or is inadequate.

Under a long-term disability plan, once the short-term benefits lapse, long-term disability insurance typically pays between 50-70 percent of your salary. Long-term disability insurance payments are typically reduced by Social Security or Workers' Compensation payments and are often limited in duration for psychiatric disabilities or what are characterized as self-reported illnesses. Individually purchased disability income insurance typically provides a fixed monthly indemnity. While every plan is different, to qualify for benefits you must:

  • Be certified as disabled by a qualified medical professional
  • Complete any applicable waiting period
  • Be approved by your provider for payments

We have successfully represented hundreds of clients in claims with the following representative companies:

  • Aetna Life Insurance Company
  • CIGNA (Life Insurance Company of North America)
  • CNA (Continental Casualty Company)
  • Hartford Life and Accident Insurance Company
  • Liberty Life Assurance Company (Liberty Mutual)
  • Lincoln Life Assurance Company (Lincoln Financial)
  • Metropolitan Life Insurance Company (MetLife)
  • Prudential
  • Reliance Standard Life Insurance Company
  • Standard Insurance Company
  • Sun Life Insurance Company
  • United of Omaha Life Insurance Company (Mutual of Omaha)
  • Unum (Unum Life Insurance Company of America, Paul Revere Life Insurance Company, Provident Life and Accident Insurance Company)

Contact us to handle your long-term disability issue

A long-term disability can deprive you of the means to support yourself and cause financial distress. If your insurance claim has been denied, please contact one of our DeBofsky, Sherman & Casciari, PC attorneys at 312-702-1842 or 800-237-5182 or online today.

Illinois lawyers protect your families in the event of untimely death or loss of limb

Accidents happen. And when they are fatal or result in loss of limbs, the survivors may run into disputes with insurance companies over payment of accidental death and dismemberment benefits. The lawyers at DeBofsky, Sherman & Casciari, PC can assist you in fighting to recover improperly denied life and accidental death and dismemberment benefits.

If your claim for benefits has been denied, please contact one of our DeBofsky, Sherman & Casciari, PC attorneys at 312-702-1842 or 800-237-5182 or online today.