Long-Term Disability Claims Filing Assistance
Des Moines Long-Term Disability Attorney
Filing for the critical relief that long-term disability benefits offer can be a complex process. Without proper knowledge of the guidelines and extensive paperwork required upon filing, your claim could be denied, leaving your family in danger of serious financial repercussions. An experienced long-term disability claims filing assistance attorney can alleviate the stress and guesswork when filing your claim.
If you have sustained an injury or illness that keeps you from working and earning a livable wage, the Des Moines long-term disability attorneys at LaMarca Law Group, P.C. can assist you throughout the filing process of long-term disability benefits. We are available to take your call 24 hours a day, 7 days a week, and we do not collect any attorneys’ fees unless we successfully recover benefits for you.
Call us today at (515) 705-0233 or contact us online to get started with a free, no-obligation consultation.
Who Is Qualified to File for Long-Term Disability?
To qualify for Social Security Disability (SSD) benefits, you must meet certain criteria. Among these, you must have earned enough work credits, meaning you worked long enough and recently enough, and you must have paid into Social Security, meaning your earnings were taxed. If you do not meet these basic requirements, you do not qualify for short-term disability or long-term disability benefits through the Social Security Disability Insurance (SSDI) program.
Additionally, to qualify for Iowa’s long-term disability program, you must meet the following requirements:
- You have an injury or illness that prevents you from working
- Your injury or illness is a qualifying injury/illness, as outlined in the disability schedule
- You are classified as an employee (probationary or permanent)
- You work at least 30 hours a week
There are several other important requirements you must meet to qualify for long-term disability in Iowa. We encourage you to reach out to our Des Moines long-term disability lawyers to learn more during a free, no-obligation consultation.
What Does Long-Term Disability Cover?
Long-term disability covers a range of specified and qualifying conditions, including but not limited to:
- Cancer
- Crohn’s disease
- Fibromyalgia
- Multiple sclerosis (MS)
- Degenerative disc disease
- HIV/AIDS
- Disabling work-related injuries
- Paralysis
- Head and brain injuries
- Back injuries
- Limb amputation
Because every policy is different, it is impossible to determine whether your condition qualifies you for long-term disability; our attorneys can help you go over the specifics of your situation and determine if your condition is covered by your employer’s insurance policy.
In addition to serious physical and neurological conditions, long-term disability may also cover certain qualifying mental health disorders, such as bipolar disorder. The insurance company will likely request numerous details about your condition, including copies of your medical records, diagnostic and lab tests, and more.
Filing for Permanent Disability in Iowa
There are several steps and procedures required during the filing process to collect permanent disability under workers’ compensation.
A long-term disability attorney at LaMarca Law Group, P.C. can help you with all aspects of this process, including but not limited to the following:
- Drafting a claim
- Understanding your policy
- Definition of disability
- Exclusions and limitations
- Time limits/waiting periods
- Appealing a denied claim
- Long-term disability litigation
At LaMarca Law Group, P.C., our Des Moines long-term disability attorneys are highly skilled at filing claims and assisting individuals throughout the process. Accidents happen in any occupation; you should be compensated for the injuries you sustained and the wages to which you are entitled.
Contact Our Firm for Experienced Representation
The long-term disability claims filing assistance lawyers at LaMarca Law Group, P.C. are experienced at finding clients the financial relief they need. If you are unable to work and maintain a steady flow of income on which to live, contact our workers’ compensation team for a free consultation right away. We can explain your specific legal options and help begin the claims filing process.
Call our office at (515) 705-0233 or submit an online contact form today to request a free consultation. Hablamos español.
