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Long-Term Disability Insurance Provides Security

An injury or sudden illness can send a family’s finances into a tailspin. Recovering from such an event may be even more difficult with the stress of unpaid bills and lost wages. The U.S. Occupational Safety and Health Administration estimates that each month, thousands of workers suffer injuries that require months of recovery. While those in California whose employers carry long-term disability insurance may benefit from that coverage, it isn’t always easy to obtain those funds.

LTD typically promises to cover up to 70 percent of an injured or ill worker’s income. This coverage may become effective after any short-term coverage expires, which is within an average of 26 weeks. The length of the coverage also varies. Some employers purchase enough to cover an employee for five years, but others provide coverage until the employee reaches age 65.

There are limitations to eligibility for such coverage, such as how long a person has been employed and how many weekly hours he or she works. Additionally, some employees may automatically receive the coverage through their employers, and others will have the option to add it to their insurance plans. Since no one can foresee when an accident or debilitating illness will strike, opting for coverage seems wise.

Understanding long-term disability insurance and how it relates to your situation is crucial to making informed decisions. An attorney with experience in LTD issues can provide answers to those questions. Additionally, employees who feel their LTD insurance is being unjustly withheld can rely on the advocacy of an attorney who is dedicated to helping injured and suffering workers in California.

Source: thebalance.com, “Long Term Disability Benefit Basics,” Susan Nathan, accessed Jan. 9, 2018

Client Reviews
Just when I thought there was no hope to recover my LTD benefits, I found attorney Constantin Roboostoff. With his expertise, I was able to recover all of my back long term disability benefits. Other attorneys wouldn’t take my case because it wasn’t cut and dry. Mr. Roboostoff took the challenge and did an incredible job. Not only did he get my current disability benefits going, he also recovered all my back benefits. He was a true blessing and I would recommend him whole heartedly. CW
It was my pleasure to make contact with Scott Kalkin three years ago after other lawyers had turned me away and told me I would not succeed in my lawsuit. Thanks to Scott's thoroughness, dedication, and diligence, my lawsuit WAS successful and he saw me through to the end, which included putting legal pressure on the insurance company which had invested so much time, personnel, and money, in not paying me what was due. RB
As soon as I met with Scott, I could tell he was knowledgeable, resourceful, experienced, highly professional, and would be dedicated to getting me fair treatment. Scott has handled all interactions with my insurance company ever since. Being able to rely on him to represent me has been a huge relief for a chronically ill person. SO