Policy and Coverage Review
Review individual and employer-provided policies, benefit periods, exclusions, limitations, and definitions of disability.
✦Social Security Disability Representation
Private and Long Term Disability Benefits
Guidance for private disability insurance and employer-provided short-term and long-term disability benefit claims, denials, and policy reviews.
What We Handle
Understanding Private Disability Coverage
Private disability insurance may replace part of your income when an illness or injury prevents you from working. Coverage may come from an individual policy or an employer-provided short-term or long-term disability plan, and each policy has its own definitions, exclusions, proof requirements, and appeal procedures.
Your Policy Controls the Claim
A careful policy and denial review can clarify how disability is defined, what evidence is required, which deadlines apply, and what administrative or legal options may be available.
How We Help
Practical Legal Support From Start to Finish
Short- and Long-Term Claims
Help organize claim forms, occupational information, medical records, and other documentation requested by the insurer or plan.
Denied Benefit Options
Analyze denial reasons, appeal requirements, deadlines, and available legal options under the applicable policy or benefit plan.
What is the difference between short-term and long-term disability benefits?⌄
Short-term coverage generally applies for a limited initial period, while long-term disability coverage may continue longer if the policy's requirements remain satisfied.
What should I do after a private disability claim denial?⌄
Review the denial letter and policy promptly. Appeal deadlines and evidence rules may apply, particularly to employer-provided plans.
Are private disability benefits the same as Social Security Disability?⌄
No. Private policies and employer plans have their own terms and claims processes, separate from SSDI and SSI requirements.
Where We Serve
Proudly ServingSouthwest Florida
From our Fort Myers office, we proudly represent clients throughout the region and across Florida.
Contact
Let’s Discuss Your Situation
Our team is here to help you understand your options and next steps.
Find Our Office
Conveniently Located inDowntown Fort Myers
Our office is centrally located in the heart of Fort Myers, making it easy to serve clients throughout Southwest Florida.
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