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Insurance Isn’t Always on Your Side

Tampa Long-Term Disability Attorneys

When “Coverage” Doesn’t Cover You

We Help You Fight for Long-Term Disability Benefits

If your long-term disability (LTD) claim was denied, delayed, or underpaid, you’re not alone. We help you challenge insurance companies and recover the benefits you were promised.

Private Policies, Real Problems

We Take On Disability Insurance Providers

LTD insurance companies often delay or deny claims—even when doctors support your disability. We step in, gather proof, and fight for what you’re owed under your policy.

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We help gather crash reports, photos & evidence.

Accident Investigation

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Policy Review

We explain what your LTD plan actually covers.

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Denied Claim Appeals

We build strong responses and file appeals on time.

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Medical Evidence Strengthening

We work with your providers to bolster your case.

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ERISA Claims Handling

We manage federal LTD claims under ERISA guidelines.

Long-Term Disability FAQs

Insurance companies don’t make LTD claims easy. Here’s what you need to know if your benefits are delayed or denied.

  • What is long-term disability insurance?

    It’s a private or employer-provided policy that pays a portion of your income if you can’t work due to illness or injury. It’s separate from SSDI and may be governed by federal ERISA law if through your employer.

  • What should I do if my LTD claim is denied?

    Act fast. Most LTD plans have strict appeal deadlines. We help file a detailed appeal with new evidence, expert input & legal argument—all before the deadline closes the door.

  • Can I have both LTD and Social Security Disability?

    Yes—but they may affect each other. Many LTD policies require you to apply for SSDI, and benefits may be offset. We coordinate both processes and make sure nothing is missed.

  • How long does it take to get LTD benefits?

    It depends on the insurer. Some pay within weeks, others drag things out. If you’re facing delay, denial, or underpayment, we push the insurer to comply with policy terms.

  • Do I need a lawyer for an LTD claim?

    If your claim is denied or stalled, absolutely. These cases require detailed documentation, strategy, and ERISA experience. We take that burden off your shoulders and fight for your benefits.

Still Have a Question?

You paid for protection. Now it’s time to collect. Let’s talk about how to fight back when your insurance company says no.

You Paid for Peace of Mind

Get Help With Long-Term Disability

If your LTD claim has been denied, delayed, or limited, we’ll fight for what you’re owed—clearly, thoroughly & with no upfront cost.