YOUR Long Term Disability Attorney

We are located in downtown Dayton Ohio and serve the entire Miami Valley. Our office is dedicated to making sure our clients with long term disability claims get the best possible outcome relative to their case. Long term disability claims are often denied and it is baffling to those at the other end of those denials. Our job is to completely understand your case and to help you correct all of the issues that could stand in the way of approving your case. We specialize in disability claims and we can help you achieve the best possible outcome.

Long Term Disability Coverage

applications Requirements

Disability benefits from a private insurance company are available with most of the better employee benefit packages. Sometimes it is offered as an optional benefit which the employee must elect and pay extra. There are some things you should now:

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Requirements For Long Term Disability

Requirements Expectations

To be awarded Long Term Disability benefits, most disability plans require medical proof, which is satisfactory to the insurance company, that your condition or illness prevents you from performing the essential duties of your regular occupation. After receiving LTD benefits for two years, most plans then require that you must show you cannot perform any occupation. Even if your claim is initially approved, the two-year point of an LTD claim is often the time the insurance company will make a determined effort to terminate benefits.

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Long Term Disability Denials

denials appeals

Unfortunately, my first meeting with clients is usually after their initial disability claim has been denied. It is understandable they didn’t know they needed an attorney.

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Long Term Disability Appeals

denials ERISA appeals

Federal law (known as “ERISA”) requires that an employee whose disability claim has been denied is entitled to appeal that denial and submit additional information in support of their claim.

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Dealing With Denial Of Claim

denials claims

One of the things that motivates me in my disability practice is that so many of my clients are truly discouraged when they come to me after the insurance company has denied them the benefit they thought would be there when they needed it.

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Filing For Long Term Disability

applications denials

Filing for benefits under your company disability plan is usually handled through your Human Resources or Benefits office. Your primary treating physician or specialist will need to complete a form to certify that your condition prevents you from performing your regular occupation.

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LONG TERM DISABILITY - DISCLAIMER

Filing for benefits under your company disability plan is usually handled through your Human Resources or Benefits office. Your primary treating physician or specialist will need to complete a form to certify that your condition prevents you from performing your regular occupation. Most company disability plans also require you to be off a certain minimum period (commonly, 6 months) prior to filing for Long Term Disability status. Many companies also offer Short Term Disability plans to provide benefits during this initial period.


If you need a 3rd party to help you navigate the claims process, feel free to call us: (937) 226-1212

BACK TO LONG TERM DISABILITY - Dayton Ohio: CLAIMS, DENIALS, APPEALS

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From Out Clients

Mr. Henry did a great job for me to get a claim approved by the insurance company which initially denied my claim. I would highly recommend him for any matters involving insurance claims.
Karen B.