Long-Term Disability Benefits

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Long-Term Disability Benefits

Long-term disability insurance offers a financial lifeline when unexpected health issues make it impossible to work. It’s more than just a policy; it’s an important safety net that ensures stability and peace of mind during life’s most challenging periods. However, at times long-term disability claims are unfairly denied despite the legitimacy of your condition.

This is where an experienced long-term disability lawyer can be immensely helpful. At Kalsi & Associates, we help you understand these denials and review your eligibility with you. Our team of legal professionals is committed to helping you navigate the complexities of your long-term disability claim. We are ready to assist you in securing the benefits you deserve.

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Long-Term Disability Lawyers


Various factors can lead a person to seek long-term disability benefits. Serious illness or injuries may allow for filing long-term disability claims.

Despite the clear need, claimants often face hurdles when their insurance company denies these claims. Reasons for denial range from discrepancies in medical documentation to perceived inconsistencies in the severity of the condition to procedural errors in filing claims, among others. In some cases, insurance companies may challenge the eligibility for disability benefits or question the extent to which a condition affects an individual’s ability to work.

An experienced lawyer can effectively navigate the intricate processes of private disability insurance benefits. They help you challenge unfair denials, scrutinize the reasons provided by insurance companies, and address them.

At Kalsi & Associates, our lawyers have experience overcoming unfair denials. We know how to present your evidence in a manner that is compelling and can assess if the insurance company’s decision is accurate. Our goal is always to secure the benefit you are entitled to according to your disability insurance coverage, thereby providing you with much-needed security in challenging times.


Our extensive legal experience will provide support for individuals confronting diverse legal challenges. Our team prioritizes your rights and interests above all.

If you’re dealing with denials for claiming long-term or short-term disability benefits, contact us for a free consultation. Let us guide you towards the resolution you deserve, with the personalized care and professional diligence that defines Kalsi & Associates.

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Frequently Asked Questions

Long-term disability typically covers illnesses or injuries preventing work for an extended period.

Conditions like depression, anxiety, and post-traumatic stress disorder (PTSD) may qualify for long-term disability benefits.

Proving it requires comprehensive medical records, doctor’s statements, and sometimes, independent medical examinations.

Some policies may provide a gradual return to work program.

Typically, it is a percentage of your salary, depending on the specific income terms of the disability benefit provider’s policy.