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Click To Call Are you struggling to receive long-term disability payments from an insurance company? Are they delaying their decision, offering you less compensation than you need, or denying your claim altogether? Based in Florida and serving the surrounding area, LaVan & Neidenberg are experienced, specialized lawyers devoted to securing disability benefits for their clients. Navigating the world of the insurance companies as well as the legal system can be frustrating and confusing – at LaVan & Neidenberg, we will assist you every step of the way.
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Long-Term Disability

  • Childhood Obesity Remains a National Epidemic |Disability Attorney
  • Are You Prepared For a Natural Disaster? | Florida Disability Attorney
  • Epilepsy Affects Millions of Americans
  • Disabled Florida Residents Face Major Changes in Medicare
  • Just a Little Salt Reduction Can Lead to a Healthier Heart

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News

Long-Term Disability

  • Obese Children at Increased Risk for Heart Disease...
    Posted on 6/30/2009
  • Florida Mandates P.E. Courses in Junior High to Combat Obesity...
    Posted on 6/30/2009
  • Special Olympics Young Athletes Program Kicks Off in Florida...
    Posted on 6/11/2009

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Library

Long-Term Disability

  • The Council for Disability Awareness
  • Seven Ways to Increase Your Heart Health
  • Diet Tips to Help Your Teeth and Your Heart
  • Fighting Childhood Obesity is a Community Effort in Treasure Coast
  • A Guide to Childhood Diabetes

view all

Long-Term Disability

If you have purchased a disability plan from a private insurance company, you have made a smart and responsible decision. You have prepared for the possibility of becoming disabled and understand that thirty percent of workers will spend time on disability before they retire.  Long-term disability insurance acts as a financial safety net in times of need - according to a recent Harvard University study, more than half of all personal bankruptcies and foreclosures are due to uninsured instances of disability.

However, many long-term insurance policy owners are often surprised to find how difficult it can be to file a claim and receive payment when they are faced with a long-term illness or serious injury. Private insurance agencies make money through your monthly payments, not through payouts, and it is in their best interest to delay claims, deny claims, or offer minimal support - making the filing process confusing.

In these situations, the best way to continue to protect yourself, your family and your financial security is to seek legal counsel immediately. At LaVan and Neidenberg, we specialize in securing maximum compensation from private insurance companies for our clients. We have years of experience and a winning record of cases.

We know the system well and are very familiar with the tricks, loopholes, and red tape that the insurance companies depend upon for their profits - let us help you file a successful application or make a successful appeal. We will work to build your case through collecting your medical records, constructing your medical history through doctor interviews, and forming a strong argument for your disability compensation, whether in or out of court.

You made the right choice when you bought long-term insurance to protect yourself and your assets. Make the right choice again by consulting specialized attorneys regarding your disability and coverage. 

A Successful Claimant Starts Here:

  • How severe does my condition have to be to receive disability?
  • What steps should I take before I apply for long-term disability (LTD) benefits?
  • When should I file my long-term disability (LTD) claim?
  • My claim for long-term disability (LTD) benefits was denied. What should I do?
  • I am receiving LTD benefits from my insurance carrier. Should I also apply for Social Security Disability benefits?
  • How long will my disability benefits last?

FREE CASE EVALUATION

If your claim has been denied or you are being offered far less money than you are entitled to, we can examine the fine print of your policy and work on securing the financial reward that you deserve. Contact us now for a FREE legal consultation.
CALL us at 1-888-234-5758 or fill out our contact form.

LaVan & Neidenberg has clients nationwide and serves the following areas in Florida: Miami-Dade County, Miami, Broward Country, Fort Lauderdale, Palm Beach, St. Lucie County, Homestead, Vero Beach, Hollywood, Miami Beach, Miami Gardens, Pompano, Sunrise, West Palm, Boca Raton, Ft. Lauderdale, Atlanta, Georgia (GA), Fulton County, and DeKalb County.


Blog for Long-Term Disability

  • Childhood Obesity Remains a National Epidemic |Disability Attorney
  • Are You Prepared For a Natural Disaster? | Florida Disability Attorney
  • Epilepsy Affects Millions of Americans
  • Disabled Florida Residents Face Major Changes in Medicare
  • Just a Little Salt Reduction Can Lead to a Healthier Heart
  • Heart Disease Awareness Crucial in Women
  • Resource Guide for Disabled Athletes and Family Members in Florida
  • Long-term effects of concussions more serious than expected...
  • It's not a disease of the old: Arthritis myths debunked
  • Florida's Disabled Face Impossible Choices
  • Exercise Your Way to a Healthier New Year
  • The power of positive thinking - ways to manage arthritis pain
  • Family history of breast cancer? 7 things you should consider...
  • Clear the Confusion Surrounding the Installation of Car Seats
  • Econimic Hardships Affect Disabled
  • Heart Attack: Warning signs that could save your life...
  • Traumatic Brain injuries: More common than breast cancer, HIV/AIDS, spinal cord injury and multiple sclerosis combined!
  • Blood pressure: Read why it's so important to have it checked regularly, especially if you're a woman.
  • Disability Employment Awareness Month Wraps Up in Florida
  • Flordia Tops List of Accident Prone States
  • Bus Collision Kills 2 In Orlando
  • Miami Residents: The University of Miami is conducting a PAID study on bipolar disorder...
  • The Fibromyalgia Circle of Care Initiative: Improve patient care by minimizing the lack of awareness among physicians.
  • Let's toast to wine's unfermented sibling...
  • Strong-armed by an insurance giant - Unum's alleged tactic to evade paying out LTD claims
  • Depressed cardiac patients have at least twice the risk of second events in the one to two years after a heart attack
  • Stents - how effective are they at increasing your stint of life?
  • It's time to put a stop to mental health discrimination!
  • Is your heart out of synch?
  • Obesity... a real epidemic...
  • Passive smoking - women at highest risk of developing disease...
  • If you have a long-term disability policy you should apply for Social Security Disability if you can no longer sustain gainful employment.
  • Microscopic particles in polluted air can adversely affect your heart...
  • Feeling isolated because of your disability? Why not join an online community?
  • One person CAN make a difference...
  • Will your wishes be carried out in the event of an emergency?
  • Want to learn more about fibromyalgia? Attend a webinar hosted by Dr. Mark Pellegrino, M.D.

Library for Long-Term Disability:

  • The Council for Disability Awareness   
    Description: The Council for Disability Awareness is a not for profit group that can help you understand how to prevent and cope with a disability. If you need help filing for Social Security, veterans’ or long term disability please contact the attorneys at LaVan & Neidenberg today.
  • Seven Ways to Increase Your Heart Health   
    Description: Seven easy to follow diet tips are outlined here. Use them to decrease your risk of cardiovascular disease and increase the health of your heart.
  • Diet Tips to Help Your Teeth and Your Heart   
    Description: Recent research shows that heart disease and poor oral health go hand in hand. These diet tips can help improve your smile and the health of your heart.
  • Fighting Childhood Obesity is a Community Effort in Treasure Coast   
    Description: Treasure Coast community activists are fighting to stop the trend of childhood obesity in Florida and, more specifically, Indian Rivers and Martin Counties. Working with We Can!, they hope to improve the health of children and families in their area.
  • A Guide to Childhood Diabetes   
    Description: Links and information to help you with every stage of childhood diabetes. The page offers links to prevention tips, signs and symptoms and quality resources for parents of children with diabetes.
  • Resource Guides to Properly Choose, Install and Inspect Your Car Seat   
    Description: Choosing and installing car seats can be a nerve wracking process. After all, your child’s life depends on the correct use of her car seat or booster. Use the following resources to ensure that you have purchased and installed the right seat for your child. Even if you are confident about your installation, please check with a car seat inspection specialist.
  • Heart Attack: Recognizing the Warning Signs   
    Description: The key to surviving a heart attack is to promptly recognize the warning signs and getting immediate medical attention. If you've suffered a heart attack and are disabled as a result of your condition, contact the Law Offices of LaVan & Neidenberg for a FREE consultation of your case, or request to receive one of our FREE disability reports. 1-888-234-5758.
  • References to Assist Disabled Persons Find Employment   
    Description: This brief list is intended to help anyone with a disability find a fulfilling job. Please visit the listed websites and use them as resources in your search for employment. If you need any assistance in filing for long or short term disability please call the Law Office of LaVan & Neidenberg today for a FREE consultation - 1-888-234-5758.
  • Injuries Caused by Near-Drowning and How to Prevent Them   
    Description: Near-drowning can cause long term disabilities. Drowning prevention starts at home as most water related accidents occur in and around the home. If you need help filing your long-term disability claim please call the Law Office of LaVan & Neidenberg today for a FREE consultation - 1-888-234-5758.
  • Preventing Head Injuries in Children   
    Description: No parent can prevent every accident their children will have. However, there are ways to prevent the many accidents that cause head trauma. If your child does suffer a head injury and shows any of the listed signs or symptoms, be sure to seek medical attention.
  • View All


Frequent Questions for Long-Term Disability:

  • Do I have to pay income-tax on the long-term disability payments I receive?
  • What is the "treating physician rule" and how will it affect my long-term disability claim?
  • I am disabled and cannot return to work. What steps should I take before I apply for long-term disability (LTD) benefits?
  • When should I file my long-term disability (LTD) claim?
  • Is it really that difficult to receive long-term disability benefits?
  • What is the difference between short-term and long-term disability (LTD) insurance?
  • My claim for long-term disability (LTD) benefits was denied. What should I do?
  • What medical conditions are considered disabling?
  • What can I do to increase my chances of winning my LTD claim?
  • I've filed my claim. What happens next?
  • If I have reduced my work schedule to accommodate my disability, should I wait until I stop working completely to file my claim?
  • What should I do if my insurance carrier says I need to be examined by one of their physicians?
  • How long does it take to get a decision?
  • How will I be notified of my insurer’s decision?
  • Can my insurer gather information about me from my co-workers, family members, neighbors, or others while evaluating my claim?
  • What evidence is used to determine if I am disabled?
  • What is ERISA and how does it affect my disability claim?
  • How do the state laws affect my private (non-ERISA) disability claim?
  • If my insurance carrier continues to deny my claim, can I take them to court?
  • I’ve paid my insurance premiums, why is my carrier refusing to pay my disability claim?
  • I am receiving LTD benefits from my insurance carrier. Should I also apply for Social Security Disability benefits?
  • What is “commutation” of benefits?
  • How can I get a decision faster when I apply for disability?
  • What kind of benefits can I expect if I am found disabled?
  • How severe does my condition have to be to receive disability?
  • How long will my disability benefits last?
  • Can the terms of my disability benefits change in the future?
  • Should I continue to pay my insurance premiums if I am awarded benefits?
  • Can I do volunteer work while I am collecting disability benefits?
  • I won my claim! What happens now?
  • What should I do if my disability benefits were cut off?
  • What are the benefits of having a disability attorney assist me?
  • How can I afford a private disability attorney?
  • How should I choose a Private Disability Attorney?
  • Should I choose a private disability lawyer from my home town or state?
  • Am I eligible for Veteran’s Disability Compensation?

Web Resources for Long-Term Disability:

  • Share your story about fibromyalgia

    Description: Are you living with fibromyalgia? Finding someone who truly understands what you're going through can provide many benefits. Consider sharing your story and tips with others, so that they may learn from your experience.

  • Fibromyalgia news and treatment information

    Description: Fibromyalgia can cause many disabling symptoms. This link includes up to date information, news and research.

  • View All

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Don't Panic: Win Your VA Disability Claim


Disability Benefits: Secrets Social Security Won't Tell You

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Law Offices of LaVan & Neidenberg, P. A.

1214 South Andrews Avenue
Suite 301
Fort Lauderdale, FL 33316
Phone: (954) 523-3870
Toll Free: (888) 234-5758

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FAQs

Long-Term Disability

  • Do I have to pay income-tax on the long-term disability payments I receive?
  • What is the "treating physician rule" and how will it affect my long-term disability claim?
  • What medical conditions are considered disabling?
  • My claim for long-term disability (LTD) benefits was denied. What should I do?
  • What is the difference between short-term and long-term disability (LTD) insurance?

view all

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