Dealing with a newfound disability presents a range of challenges, especially when it comes to securing long term disability benefits. You shouldn’t have to navigate the legal complexities alone, though.
With an Arkansas long term disability lawyer from Marc Whitehead & Associates championing your cause, you can focus on your health and recovery while we handle the legal process. Whether you are dealing with a group Disability claim or an individual long term disability claim, our Arkansas disability lawyers are here to help.
Call Marc Whitehead & Associates for a free consultation. We are available 24/7 to take your call and explore your legal options.
How an Arkansas Long Term Disability Attorney Can Help You
Securing long term disability benefits can prove difficult at any stage of the claims process. An Arkansas lawyer can provide assistance no matter where you are in the journey. Our legal team possesses an in-depth understanding of the intricate web of regulations and procedures that govern disability claims, whether arising from an ERISA-governed employer-sponsored plan or an individually purchased insurance policy.
An attorney from Marc Whitehead & Associates can help in the following ways:
We Handle ERISA Claims
The Employee Retirement Income Security Act (ERISA) governs group Disability claims. These claims are subject to a strict set of federal regulations and procedural requirements. Our lawyers can support you with an initial claim or a denied claim by:
- Ensuring meticulous compliance with ERISA deadlines and administrative procedures
- Meticulously gathering and presenting compelling medical evidence to substantiate your claim
- Providing steadfast representation during administrative appeals and hearings
- Challenging denials or terminations of benefits in federal court, if necessary
We Handle Individual Long Term Disability Claims
When dealing with an individually purchased long term disability policy, Our Arkansas LTD lawyer can safeguard your rights under state laws and contractual provisions by:
- Conducting a comprehensive review of your policy to elucidate the specific terms and requirements
- Communicating directly with the insurance company on your behalf
- Skillfully negotiating settlements or lump-sum payouts that align with your best interests
- Filing lawsuits against insurers for bad faith practices or breach of contract
- Litigating your case in state court to recover the disability benefits you are rightfully owed
Whether you’re initiating a claim or appealing a denial, we have your back. We are familiar with the tactics insurance companies use to avoid paying claims and will employ all our resources to counter these strategies.
From meticulously constructing your case with medical evidence to advocating relentlessly for your rights during administrative appeals or in-court proceedings, Marc Whitehead & Associates will be by your side every step of the way. Call us today to discuss your case.
Potentially Qualifying Conditions for a Long Term Disability Claim
sabling conditions that may qualify for long term disability benefits span a wide range of physical and mental impairments, each with its unique challenges and impacts on an individual’s ability to work. Our attorneys can determine your eligibility and build a compelling case for benefits.
Some disabling conditions that may qualify for long term disability coverage include:
- Musculoskeletal disorders: Chronic back pain, arthritis, spinal cord injuries, and other conditions affecting the muscles, bones, and joints can severely limit mobility and physical function, making it impossible to perform essential job duties.
- Neurological conditions: Debilitating neurological disorders such as multiple sclerosis, Parkinson’s disease, epilepsy, and traumatic brain injuries can impair cognitive function, motor skills, and overall quality of life.
- Cardiovascular diseases: Heart attacks, congestive heart failure, and other cardiovascular conditions can significantly impact an individual’s stamina, energy levels, and ability to engage in physical activities required by their job.
- Cancer and other chronic illnesses: The physical and mental toll of cancer treatment, as well as the effects of chronic diseases like lupus, kidney disease, and Crohn’s disease, can render an individual unable to work for an extended period.
- Mental health conditions: Severe cases of depression, anxiety, bipolar disorder, and other mental health issues can profoundly impair cognitive function, concentration, and overall well-being, making it challenging to perform job duties effectively.
- Chronic pain: Debilitating and persistent pain, whether resulting from an injury, illness, or underlying condition, can significantly limit physical capabilities and overall functionality.
- Sensory impairments: Vision or hearing loss, particularly in occupations that rely heavily on these senses, can prevent individuals from performing essential job functions safely and effectively.
Whether a condition qualifies for long term disability benefits depends on different factors, such as the specific policy terms, the severity of the impairment, and the individual’s occupation and job duties. Each case is unique, and an insurer will evaluate each case individually.
Our Arkansas long term disability team can consult your physicians to bolster your case with necessary medical evidence. We can also ensure compliance with procedural requirements and advocate tirelessly for your rights every step of the way.
Do Not Stop Seeing Your Doctor at Any Point in Your Arkansas Long Term Disability Claim
Continue any necessary medical care when facing a disabling condition that prevents you from working. Ongoing treatment and adherence to your healthcare provider’s recommendations are essential for managing your condition, mitigating symptoms, and maximizing your potential for recovery or improvement.
Consistent medical care not only supports your overall well-being but also provides critical documentation of your condition’s severity and its impact on your ability to perform job duties. This evidence is invaluable when pursuing long term disability benefits, as it helps substantiate the legitimacy and extent of your impairment.
Failure to maintain proper medical care could jeopardize your claim and make it more challenging to demonstrate your eligibility for benefits.
Call Marc Whitehead & Associates for Help With an LTD Claim
From navigating the regulations of ERISA claims to handling individual disability policies, an Arkansas long term disability lawyer will be your unwavering advocate, meticulously building your case and fighting tirelessly to secure the benefits you deserve.
Contact us today to learn more about how our attorneys can help you. We provide personalized legal assistance, tailoring a strategy to suit your individual circumstances.
