What Is Long-Term Disability Insurance?
Long-term disability (LTD) insurance helps replace your income if you cannot work because of a serious health condition that lasts several months or longer. Many people get this coverage through their jobs, but some buy their own private policies for extra protection. Social Security Disability might be an option, too.
Getting approved for LTD benefits is not always straightforward. Whether your plan is through work and governed by ERISA or one you bought on your own, you will have to meet the policy’s definition of disability. You must provide solid medical records. Knowing what your plan requires can make a big difference.
If you are unsure what to do next, call Fusco, Brandenstein & Rada, P.C. at 516-496-0400 or contact us online. You’ll get a free consultation with a Woodbury disability lawyer who will go over your policy and explain your options.
Short-Term vs. Long-Term Disability
Many employers offer both short-term and long-term disability insurance. Short-term disability is meant for temporary issues and usually kicks in after a few days. A short-term disability policy seldom lasts longer than six months. A long-term disability (LTD) policy can take over if you are out longer—usually after a waiting period of 90 to 180 days—and can last for years, even up to retirement in some cases.
If your short-term benefits are running out and you are still not able to work, it is probably time to file a claim for your long-term disability benefits. The lawyers at Fusco, Brandenstein & Rada, P.C. know how to handle this. We will help you obtain the documentation you need, avoid mistakes in your application, and go after the benefits you purchased.
LTD Claims and ERISA
Most employer-sponsored long-term disability (LTD) plans are governed by the Employee Retirement Income Security Act (ERISA). If your claim is denied and you wish to take your case to court, ERISA requires you to complete a strict internal appeals process. Missing a deadline or making a mistake during this process can cost you your right to receive benefits.
If your LTD claim falls under ERISA, it helps to have a lawyer who knows how it all works. At Fusco, Brandenstein & Rada, P.C., we’ve dealt with many ERISA cases and know the games insurance companies like to play. We know how to put together a strong appeal and fight back. Having someone on your side who’s been through it before can change how things turn out.
We Handle Private Disability Insurance Disputes, Too
Not all long-term disability (LTD) claims are connected to your job. If you bought a private or individual disability insurance policy, you still have legal rights when your claim is delayed, denied, or underpaid. ERISA does not govern these policies, so you can take legal action in New York State courts more easily.
At Fusco, Brandenstein & Rada, P.C., we understand how insurance companies try to undervalue or reject valid claims. Our attorneys have years of experience handling private LTD disputes and know how to hold insurers accountable. We will work to enforce your policy, protect your rights, and recover the full benefits you are owed under your contract. You do not have to face the insurance company alone—we are here to help.
Bad Faith Insurance Practices
Sometimes, insurance companies do not just deny a claim—they actively work against you. Bad faith practices can include unreasonable delays, misrepresenting what your policy covers, ignoring medical records you have already submitted, or failing to do a proper investigation. If you think your insurer is acting in bad faith, our attorneys can step in, dig into the details, and hold them accountable. In some cases, you might be able to recover extra compensation on top of the benefits you are owed.
Denied Long-Term Disability Benefits? Here’s What to Do
It is tough when you get a letter saying your long-term disability (LTD) claim was denied, but you are not the only one. Numerous claims are rejected, especially when people try to go through the application process alone. Sometimes, rejections occur because medical information is missing, deadlines are missed, paperwork is mixed up, or the insurance company says you have a non-covered, pre-existing condition.
But do not give up. Our LTD appeals lawyers can review your claim, figure out where the insurance company got it wrong, and put together a solid appeal on your behalf. Just do not wait too long—most LTD denials come with a 180-day appeal deadline, and missing it could mean you lose the chance to fight back.
When to Contact a Long-Term Disability Lawyer in Woodbury
It is never too early to talk to a lawyer about your long-term disability (LTD) claim. Getting legal help as soon as you realize you’ll need your LTD coverage can improve your chances of success and help you avoid common mistakes. You should contact an attorney if:
- You are filing an LTD claim for the first time
- Your claim was denied, or your benefits were cut off
- You have been scheduled for an Independent Medical Examination (IME)
- You believe the insurance company is watching or recording you
- Your payments are late or seem too low
At Fusco, Brandenstein & Rada, P.C., we will act fast to protect your rights, handle communication with the insurer, and build a strong case. The insurance company has lawyers on their side—you should have someone fighting for you, too.
Why You Need a Disability Lawyer for LTD Claims
Insurance companies often make it challenging to collect the benefits you are entitled to. They may:
- Dispute your medical evidence
- Claim your condition does not meet their definition of disability
- Argue that you can return to work in some capacity
- Delay a decision to pressure you into dropping your claim
We know insurance companies’ tactics because we have been up against them for decades. When you hire our team, you will get seasoned disability lawyers who will fight for your financial stability.
How We Help with Long-Term Disability Insurance Claims
When you hire Fusco, Brandenstein & Rada, P.C., you are not getting a one-size-fits-all approach. We take the time to understand your situation and build a strategy that fits. Every client gets a full review of their policy, help gathering strong medical and vocational evidence, communication with doctors to support their claim, prep for interviews or medical exams, and representation during appeals or lawsuits.
We also know disability claims are not just about paperwork. You might be facing a chronic illness, a sudden medical crisis, or a life-changing diagnosis. Our team understands how heavy that can feel, and we are here to support you—not just legally but personally—every step of the way.
Why Choose Fusco, Brandenstein & Rada, P.C.?
With offices across Long Island and over 40 years of experience, Fusco, Brandenstein & Rada, P.C. has built a strong reputation for standing up for New Yorkers when it matters most. Our team has spent decades advocating for injured and disabled individuals, and we bring that same commitment and drive to every long-term disability (LTD) case we handle.
When you work with us, you will have direct access to your attorney, a local team that knows Woodbury and its courts, and clear, compassionate communication every step of the way. We do not just file paperwork—we push back against powerful insurance companies and fight to protect your financial future.
Frequently Asked Questions About Long-Term Disability Claims
Long-term disability claims can be confusing, so here are quick answers to common questions.
How long does it take to get long-term disability benefits?
The timeline varies depending on your policy, but most long-term disability (LTD) plans include an elimination period—usually between 90 and 180 days—before benefits become available. This means you must be continuously disabled during that time before payments begin. Once approved, benefits are typically paid out on a monthly basis.
Can I apply for LTD benefits while receiving short-term disability?
Yes, and in many cases, you should. Most LTD policies require you to begin the application process while you are still receiving short-term disability benefits. You do not have to wait for short-term benefits to run out before filing your LTD claim.
What happens if my LTD claim is denied?
You have the right to appeal the denial. If your policy is governed by the Employee Retirement Income Security Act (ERISA), you will need to complete the internal appeals process before you can take legal action. Strict deadlines apply, so acting quickly is essential. An experienced disability lawyer can gather the necessary evidence and file a strong appeal.
Can I work part-time and still receive LTD benefits?
Probably not. Check your plan documents or speak with an attorney to learn about your options.
Talk to a Long Term Disability Lawyer in Woodbury Today
Disability insurance exists to protect you in times of crisis. When your provider refuses to honor their end of the deal, we step in.
If you are struggling with a long-term disability insurance claim, contact the trusted long term disability lawyers in Woodbury at Fusco, Brandenstein & Rada, P.C.. Whether you are just getting started, facing a denial, or unsure what your policy covers, our team is ready to help. Call 516-496-0400 or visit our contact page to schedule your consultation.