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A Guide to Long-Term Disability Insurance


Long-term disability insurance serves as a financial security net for employees who find themselves unable to work because of a disabling illness or injury. While it is designed to help people when the unthinkable happens, it can be difficult to get the benefits you deserve.

Should I Get a Lawyer Before Applying for Disability?

While you can go at the claims process alone, it is best to retain the help of an attorney. Insurers tend to shortchange their policyholders. This is because insurance is a business, and insurers care most about their bottom lines.

At Robert Peirce & Associates, P.C., our long-term disability attorney team helps clients secure their full and fair benefits. We have a proven track record of success, made possible by our professional insight and knowledge of the claims process.

Attorney Robert Daley has, for example, guided clients through the long-term disability claims process for over 20 years.

“Accessing benefits that you are entitled to can be a lengthy and complex process,” Attorney Daley said. “We know how to help secure the benefits, and we recognize how overwhelming and stressful it can be. There are many hurdles that you will need to clear, and we are here to guide you every step of the way and help level the playing field with large insurance companies.”

All long-term disability policies are different. We will take the time to understand the terms of your policy, as well as to find any loopholes, key deadlines, or the like. Should an insurer deny you benefits, there is a window for appeal. We can help you submit an appeal with ease and on time. If the insurer continues to deny your claim, we are prepared to take them to court.

In short, our team will take care of all the hard work and preparation needed to file a successful claim.

Does Disability Insurance Last Forever?

Long-term disability insurance is just that—long term, not forever.

Most insurance policies only pay out long-term disability benefits for up to 2 years. At that point, the criteria for being disabled changes from not being able to do “your” job to not being able to do “any” job at all.

Even before your policy and benefits run out, you will need to update the insurance company on your disability status. This often includes submitting doctor’s notes, which the insurance company then uses to reevaluate your eligibility.

As Attorney Daley explained, “Whether you have been denied a long-term disability claim or if you are facing re-evaluation and the possible loss of your benefits, you need legal representation to protect your rights.”

If you are looking to apply for long-term disability or are up for revaluation, we can help. At Robert Peirce & Associates, P.C., we assist clients in Pennsylvania, Ohio, and West Virginia in getting the long-term disability benefits they are entitled to. Backed by over 40 years of experience, we will work to quickly and efficiently resolve your case. We know how crucial these benefits can be. Trust our team to work in your best interests.

If we are unsuccessful in your case, we won’t charge you any legal fees. That’s right—you won’t have to pay us if your claim is denied.

Please read our press release to learn more. To schedule a free consultation, reach our Pittsburgh office at (844) 383-0565 or online.

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