Tampa Bay Area Social Security Disability Attorney Discusses Long-Term Disability

Individuals that suffer a serious injury that prevents them from working will want to contact a Tampa Bay area Social Security Disability lawyer to get help with collecting the benefits that they deserve. The process to receive benefits can be very complex, and disability attorney Fernando V. Narvaez can help you through the difficult process.

Long-Term Disability

Long-term disability can cover a wide array of injuries and illnesses. Generally, to qualify for long-term disability, your condition will need to impact and prevent your ability to perform your regular job duties to a substantial degree. Unlike workers’ compensation, the cause of your injury does not need to be work-related. Most causes of injuries are covered such as car accidents, slip and fall cases, chronic illnesses, as well as work-related injuries.

Private insurance companies will typically focus on how the injury or illness impacts your work abilities in deciding whether to pay and how much to pay out. Some factors an insurance company may consider include how the medical condition affects your ability to stand, type, walk, speak, concentrate, etc.

ERISA and Long-Term Disability

Employees usually qualify for long-term disability benefits through their employer’s private insurance company. A Tampa Bay area Social Security Disability attorney can explain to you how the federal Employee Retirement Income Security Act of 1974 (ERISA) regulates these private insurance companies and employer insurance policies.

One of the main benefits of ERISA is that it provides employees a way to apply for disability benefits and to appeal a denial of a claim. ERISA can be very complicated and you will want to seek experienced counsel to learn your rights and options under the federal law.

Contact Attorney Fernando Narvaez

If you have any questions about long-term disability and your ability to collect benefits, you will want to talk to an experienced attorney. Failure to follow the steps outlined in ERISA and under your insurance policy could mean a denial of your claim. To discuss the specific facts of your case, contact an attorney at Fernando V. Narvaez Attorney at Law by calling 727-914-4999.