{"id":1134,"date":"2016-03-07T16:20:02","date_gmt":"2016-03-07T16:20:02","guid":{"rendered":"http:\/\/www.nelsonboydlaw.com\/blog\/?p=1134"},"modified":"2021-09-02T22:04:04","modified_gmt":"2021-09-02T22:04:04","slug":"long-term-disability-insurance","status":"publish","type":"post","link":"https:\/\/www.nelsonboydlaw.com\/blog\/legal-tips\/long-term-disability-insurance\/","title":{"rendered":"Long Term Disability Insurance"},"content":{"rendered":"

\"wheelchair-567812_960_720\"<\/a><\/p>\n

Long Term Disability Insurance is a valuable employee benefit that many employers provide.\u00a0 It is also a type of insurance that some high wage earners purchase on their own.\u00a0 It is also a complex, confusing, and frustrating area of insurance law that most lay people, and many attorneys, do not understand.<\/p>\n

There are short time limits for submitting information, strict requirements regarding the information you must submit, and confusing standards that the insurance company applies to determine whether you are disabled.\u00a0 Many times, it seems that the insurance company\u2019s primary goal is to deny your claim.<\/p>\n

Do not be fooled, the insurance adjuster is not your \u201cfriend,\u201d regardless of how pleasant or nice they may be.\u00a0 Their goal is to find a way to deny your claim and possibly use their phone calls and emails with you to assist them in denying your claim.\u00a0 Be very, very careful in your dealings with insurance adjusters.<\/p>\n

The type of law that applies depends on the type of insurance policy you have and, in many cases, the identity of your employer.\u00a0 Some long term disability insurance policies are governed by an oppressive Federal law known as \u201cERISA.\u201d\u00a0 Other long term disability insurance policies are governed by state law which creates much broader recourse and leverage to people who have this type of insurance.<\/p>\n

The attorneys at Nelson Boyd have over 50 years of combined legal experience in representing injured people and fighting insurance companies.\u00a0 If you have been injured, if you have an insurance claim, or if you just have questions about insurance coverage, please contact us at (206) 971-7601<\/strong>.\u00a0 Nelson Boyd \u2013 We Care.\u00a0 We Can Help.\u00a0\u00a0 www.nelsonboydlaw.com<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":1303,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[109],"tags":[34,26,23,172,38,46,122],"class_list":["post-1134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-tips","tag-deborah-nelson","tag-insurance","tag-jeff-boyd","tag-long-term-disability-insurance","tag-nelson-boyd","tag-nelson-boyd-attorneys","tag-state-of-washington"],"acf":[],"yoast_head":"\nLong Term Disability Insurance - 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