Long-Term Disability Lawyer

Long-Term Disability

$11 Million

Car Accident

$4.4 Million

Motorcycle Accident

$4.3 Million

Car Accident

$2.6 Million

Motorcycle Accident

$1.4 Million

Motorcycle Accident

Practice Areas

Workers' Compensation

I had a great experience with Rue and Ziffra. They were keeping me updated all the time answering all my questions.

Kyle Farnell

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Thanks for all your help! They were able to get me a nice settlement and were super easy to work with!

Aimee Anselmi

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My experience with Rue & Ziffra was absolutely amazing. I'm glad I chose this firm to handle my case.

Martina Jackson

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I was super happy and satisfied with Rue and Ziffra. They exceeded my expectations and I appreciate them...

Dana Bailey

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Frequently Asked Questions

What is long-term disability?

In broad terms, long-term disability is insurance coverage that pays benefits to individuals who are unable to work due to serious illnesses and injuries. However, what constitutes a “disability,” and what constitutes “inability to work,” can vary from one policy to the next. For example, some policies only provide coverage if you can demonstrate that you are fully unable to work. Others only require a showing that you are incapable of “substantially performing” your job duties. Likewise, some policies only provide coverage if you are unable to work in any occupation, while others will pay benefits if you are unable to find work in your chosen career.

How do I obtain a long-term disability insurance policy?

Many people have long-term disability insurance through their employment. Private and public-sector employers often offer this as a benefit to their workforce.

If you do not have access to group long-term disability insurance through your employer, you can buy this insurance on the open market. These individual policies tend to be more expensive (and they are not governed by ERISA); however, they may offer more options regarding the types and amounts of coverage that are available

Who determines if I am entitled to benefits?

When you file a long-term disability claim, the insurance company will decide if you are eligible for benefits. Once again, different companies have different standards, and what it takes to prove that you are disabled will depend on the specific terms of your coverage.

However, insurance companies are not free to approve and deny disability claims as they so choose. They must abide by the terms of their policies; and for employer-sponsored plans, they must also abide by ERISA’s requirements. If you need to file a long-term disability claim, our attorneys are happy to review your policy to determine what is required for you to start receiving benefits.

Can I file for long-term disability and Social Security disability?

Yes. In fact, if you are eligible for both types of coverage, you may be required to file for Social Security disability under the terms of your long-term disability policy. Private disability insurers have the right to offset long-term disability benefits against Social Security disability insurance (SSDI) benefits, so they will typically mandate that workers to try to maximize their SSDI.

A man sitting at a desk, carefully filling out his disability paperwork, symbolizing Rue & Ziffra's support for long-term disability cases.

Expert Long-Term Disability Lawyers in Central Florida

Facing a long-term disability due to illness or injury is a significant challenge, impacting your ability to work and maintain financial stability. At Rue & Ziffra, our long-term disability lawyers specialize in navigating the complexities of employer-sponsored (ERISA) insurance policies, ensuring you secure the maximum benefits you rightfully deserve.

The Reality of Long-Term Disabilities

Statistics reveal that long-term disabilities are more common than many assume, with a notable portion of the workforce likely to experience a disability lasting five years or more during their careers. Given these odds, having long-term disability insurance provides a critical safety net. Most employer-sponsored policies fall under the Employee Retirement Income Security Act (ERISA), offering crucial protections for workers facing such hardships.

Challenges in Claiming Long-Term Disability Benefits

Despite ERISA’s safeguards, obtaining long-term disability benefits can be a daunting process. Many individuals encounter resistance from employers or insurance providers, facing claim denials that can jeopardize their financial security. This is where the expertise of a seasoned long-term disability lawyer becomes indispensable.

Why Choose Rue & Ziffra?

Decades of Dedicated Service: Serving Volusia and Flagler Counties since 1976, our firm boasts over 195 years of combined legal experience, particularly in the intricate realm of long-term disability claims.

Comprehensive Support for Complex Cases: We understand the nuances of long-term disability insurance, whether through ERISA-governed employer plans or private policies. Our personalized, team-based approach ensures thorough representation tailored to your unique situation.

Navigating Illnesses and Injuries

Our legal team is adept at managing claims across a wide spectrum of illnesses and injuries that lead to long-term disabilities, including but not limited to:

Burns, scars, and broken bones
Cancer and heart disease
Immune system disorders
Mental illnesses and occupational illnesses
Spinal cord and traumatic brain injuries

Advocating for Your Right to Benefits

The path to securing long-term disability benefits is fraught with challenges, from navigating policy specifics to contesting unjust claim denials. Our experienced attorneys are equipped to relieve the burden of the claims process, advocating tirelessly on your behalf. If necessary, we are prepared to take legal action to safeguard your rights and secure the compensation you need.

Partner With Rue & Ziffra for Your Long-Term Disability Claim

If you’re facing the prospect of a long-term disability, you need more than just legal representation; you need advocates committed to your well-being and financial security. With Rue & Ziffra, you gain access to a dedicated team of long-term disability lawyers ready to navigate the complexities of your claim. Contact us for a free consultation and take the first step towards securing your future in the face of uncertainty. With us, you’re not just a client—you’re part of the Rue & Ziffra family, and we’re committed to fighting for the benefits you deserve.

Long-Term Disability Lawyer