Long Term Disability Lawyer – Memphis
The concept of insurance is simple: Pay a premium with the understanding that if something goes wrong, the insurance company will reimburse you for your costs, per the terms of your policy agreement. But while the concept of insurance may be straightforward, the ins and outs of the insurance industry, insurance policies, and securing the benefits that policyholders are entitled to can be incredibly complex. Take, for example, disability insurance. Disability insurance can be purchased privately or benefits can be obtained publicly through the Social Security Administration. Obviously, purchasing private disability insurance is generally easier than obtaining Social Security disability insurance benefits is. But “hiccups” in applying for and/or obtaining benefits you’re entitled to can occur with either system. Thankfully, you don’t have to navigate these challenges alone. If you’re struggling with SSD or SSDI benefits (applying, appealing, payouts, etc.) you can speak with a Memphis, TN Social Security lawyer with Darrell Castle & Associates, PLLC. Our Memphis long term disability lawyer team can also assist you if you’re struggling with any part of the private disability insurance process as well.
Understanding Long Term and Short Term Disability Insurance
In general, long term and short term disability insurance coverage (public or private) helps to ensure that workers who have been injured or made ill are able to keep financially “afloat” while they recover. Short term disability insurance terms vary, but these policies generally assume that a worker will be able to return to their job within a relatively brief period of time. By contrast, long term disability insurance terms tend to operate on the assumption that a worker will be unable to return to full time work for a relatively significant period of time – often defined as a year or more.
Applying for disability insurance can be a challenging process, especially for individuals seeking Social Security disability insurance benefits after an injury or illness has affected their lives, as opposed to purchasing disability insurance proactively so that a worker is covered in the event that an injury or illness should affect them at some point in the future. When applying for SSD benefits, an applicant is required to provide proof of disability. The application process is notoriously difficult to navigate; so much so that the majority of first-time applicants are rejected. Thankfully, seeking the assistance of a Memphis long term disability lawyer can help to reduce the likelihood that an applicant’s first petition will be rejected. Similarly, working with a Memphis long term disability lawyer can help to ensure that an appeal of a rejected application is successful and/or that benefit payments are made properly, on-time, and in-full. An experienced attorney can similarly help with challenges experienced in the private disability insurance system.
Legal Guidance Is Available
Whether you’re hoping to secure disability coverage proactively or you’re hoping to secure disability coverage now that you’ve been injured or made ill, our experienced legal team can help. No matter what stage of the process you’re at, we can help you evaluate your options and guide you through the maze of securing benefits. Please schedule a no-risk, no-obligation consultation with Darrell Castle & Associates, PLLC today. We look forward to speaking with you.