Are you suffering from a debilitating injury or illness that has sidelined your career and left you unable to perform your job duties indefinitely? Have you forced yourself to work despite disability in order to ensure your family has the finances they need to get by? If so, there is a solution. Eligible employees in the St. Louis area may be able to receive long-term disability (LTD) insurance benefits.
If you need help filing a long-term disability claim in the St. Louis area, the attorneys at Andalman & Flynn can apply our expertise to your case. Contact us to schedule your initial consultation!
ERISA Law in St. Louis
While you can buy a private LTD insurance policy, it’s more common to obtain LTD insurance through group policies provided by St. Louis area employers. These group policies are regulated by federal legislation known as the Employee Retirement Income Security Act of 1974 (ERISA). Missouri ERISA law governs, among other things, the obligations of LTD insurance companies in the event that a serious disability or illness prevents an employee from doing his or her job for an extended period of time.
ERISA is very different from workers’ compensation, which provides coverage if you are involved in an accident while you are on the job. In cases of workers’ compensation, most states will prescribe fixed amounts a worker should receive for a specific injury, usually based on what part of the body is injured. Partial disability in your leg, for instance, may earn you $400 a week for five years. Partial disability in your arm may earn you $400 a week for four years. Related medical bills and therapy for an on-the-job injury are usually covered by workers’ compensation as well.
The compensatory figures for workers’ compensation are reviewed and updated annually, usually by a state-appointed commission. For further clarification between St. Louis’s ERISA law and workers’ compensation, contact us for a consultation.
Do You Qualify for Long-Term Disability Insurance?
St. Louis LTD insurance was designed to protect employees in the event of a serious injury or illness that prevents them from returning to work, including those sustained on and off the job site. The extent of disability, rather than the cause of the disability, is what’s most important in an LTD claim.
Disabilities sustained through auto collisions, slips and falls, or other personal injuries may qualify you for ERISA long-term disability benefits in St. Louis. If you suffer from a crippling disease—like multiple sclerosis or Parkinson’s disease—you may also qualify for coverage under ERISA LTD benefit. Coverage is available for acquired or hereditary diseases affecting your:
- Immune system
LTD Attorney Serving St. Louis
If you’re looking for an LTD attorney with expertise in St. Louis ERISA law, Andalman & Flynn can assist. We focus on protecting your rights and keeping you well informed as you seek LTD benefits, drawing on years of experience in disability law to give you the best chance of success.
Don’t settle for second-rate representation when it comes to your financial future. Contact Andalman & Flynn today for assistance obtaining long-term disability insurance benefits in St. Louis!