Long-term disability insurance often kicks in for a disabled employee when short-term disability ends and they are still no longer able to work. You will have to meet the requirements set. The opinion of your treating physician is critical as well as your medical records. Those who are eligible must continue treatment or they may no longer be able to receive benefits from the insurance company. There may be preexisting conditions that are excluded from receiving coverage. You may also be required to apply for Social Security benefits as well. The insurance company would like to see you approved for benefits, as they can offset your claim once you are receiving Social Security. If your claim is denied, you may need to find an attorney in Massachusetts.
When searching for an attorney, you will want to follow the recommendation of coworkers, friends, and relatives, or anyone else that you know. You will also want to search online and read reviews. Once you select an office, you will want to go for a free consultation. You will need to ask questions, and make sure you get the answers you seek. The attorney should make you aware of the next steps in your case. You should have a clear understanding of what will happen going forward. You may need to meet with more than one lawyer before you make your decision. This is crucial as the right lawyer can make or break your case.