Long Term Disability Law Firm |
"No legal fees, unless we
win benefits for you." Iván A. Ramos |
CALL US NOW!
(860) 519-5242
 |
|
Long Term Disability Law Firm "No legal fees, unless we
win benefits for you." Iván A. Ramos CALL US NOW!
(860) 519-5242 |
When an ERISA long term disability case is brought to court, one of the most important questions raised by long term disability lawyers is what legal standard must the judge use to decide the case. In essence, “the standard of review” is the level of scrutiny that the court will apply when reviewing a […]
If you become disabled and unable to work, check your employer-provided benefits package; it may include disability benefits. Generally, they’re referred to as ERISA (Employee Retirement Income Security Act of 1974) short term disability, (STD) or ERISA long term disability (LTD) plans. STD and LTD benefits are usually provided through either a policy, or […]
By Iván A. Ramos
All long term disability (LTD) claimants should have a thorough understanding of how their LTD plans operate. Most ERISA (Employment Retirement Income Security Act of 1974) group policies are composed of similar language that specifically outline how a claimant’s benefit eligibility is determined. However, while this language is mostly the same […]
In a long term disability (LTD) claim, the elimination period is the number of consecutive days over which a claimant must be disabled in order to begin receiving monthly benefits. Its usual timeframe is either 90 or 180 days. In some policies the elimination period is called the waiting period. Some employer-provided disability plans […]
It’s highly probable that your long term disability (LTD) policy limits the time that your insurer will pay benefits if mental illness is the cause of your disability. A fairly standard provision within most LTD policies sets 24 months as the maximum duration for which a mental health disability claimant can receive LTD benefits. […]
If your long term disability (LTD) claim is denied, you will have 180 days (just under 6 months) to file an administrative appeal. Moreover, if your disability plan is governed by the Employment Retirement Income Security Act of 1974, (ERISA) your denial notification letter most likely will state that information. Regardless, it is of […]
Many claimants who have had their Long Term Disability (LTD) benefit application rejected unwittingly think that simply “filing a letter” is sufficient enough for a successful appeal. Unfortunately, they are mistaken. In this respect, claimants’ naivety is a tremendous ally to insurers. In fact, it seems like disability insurance companies count on the insured’s […]
Long Term Disability (LTD) Attorney Iván A. Ramos understands that dealing with a debilitating injury or illness is very difficult on both the afflicted, and their families. He also realizes that the last thing you want to do during an illness is to try and assemble a complicated legal appeal with which you have […]
When an insurance company denies or terminates long term disability (LTD) benefits, it’s typical for claimants to feel discouraged by the excuses used for rejecting their claims. They may even feel too intimidated to take the matter further, and simply give up. In fact, that’s what insurers hope you’ll do. However we urge you […]
Long Term Disability Lawyers
Long Term Disability Video Main Offices255 Main Street, Suite 401, 568 Washington Street, Suite 30, Phone: 860.519.5242 Hours of operation: Please address all correspondence to our mail processing center at: Ramos Law, LLC, |
 Long Term Disability Lawyers
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Long Term Disability - Some States That We Serve |