Injury Attorneys Serving Denver, Boulder & Fort Collins, CO
Helping You Pay the Bills after an Injury
Our long-term disability insurance lawyer, serving Boulder and Fort Collins, will help you file a claim after you become disabled and cannot work.
If you become ill or injured and are unable to work, short- and long-term insurance benefits replace your income so you can pay your bills. These benefits are either provided by your employer or privately purchased plans. In the event that you become disabled, and you need to apply for benefits, J. Todd Tenge and the Tenge Law Firm team can help you file an application. Or, if you have filed a claim that was denied, delayed, ignored, or underpaid, our legal team can represent you in the insurance dispute case. Please contact a long-term disability insurance lawyer at our Boulder or Fort Collins offices to schedule a free, confidential consultation.
What Is Long-term Disability Insurance?
Disability insurance replaces your income if you become disabled and are unable to work. In the event that you injure yourself or develop an illness that prevents you from working, short-term disability insurance benefits are initially provided to you, generally for a period of three to six months. If you are still unable to work after your short-term disability benefits expire, and you have a long-term disability insurance policy, those benefits will kick in at that time.
Long-term disability benefits are typically available through your employer, but may also be purchased privately. Depending on your particular policy, long-term disability benefits will replace a percentage of your regular income not exceeding a certain amount (for example, it may cover 60 percent of your income, up to a monthly maximum of $10,000).
J. Todd Tenge and the Tenge Law Firm has the experience, expertise, and resources necessary to help you file a successful long-term disability claim and obtain the benefits to which you are entitled. Our legal team can also fight on your behalf against insurance companies who unfairly deny, ignore, delay, or underpay claims. For legal advice that applies specifically to your particular case, we encourage you to schedule a consultation today.
“Own Occupation” and “Any Occupation” Eligibility
“Disability” is defined two ways. You may suffer a disability that prevents you from performing the duties of your “own occupation” – meaning your regular job. If you are unable to perform the duties of your own occupation for a specified period of time, you may apply for “own occupation” benefits, which are usually provided for two years.
After a certain amount of time, you will be evaluated again, this time to determine whether you can perform the duties of “any occupation.” Under this particular definition, you will need to prove that you are unable to perform the duties of your former job and any other job for which you are capable or qualified, based on your work history and experience, education, and ability to retrain. If you are determined to be disabled under the “any occupation” definition, you will receive benefits for an extended period of time – anywhere from several years to when you reach 65 years of age.
Contact Our Long-term Disability Insurance Attorneys in Colorado
The people that decide whether someone receives long-term disability benefits do not always make the right decision. If you’re having trouble trying to collect benefits to which you are entitled, or you simply have questions about applying for your long-term disability insurance benefits, attorney J. Todd Tenge and the Tenge Law Firm can help. Located in Boulder and Fort Collins, and serving Denver and surrounding Colorado areas, our disability insurance attorneys would be happy to discuss your case during a free, confidential consultation. With 20 years of experience handling complex long-term disability insurance claims, Mr. Tenge and our exceptional legal team can confidently rep