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Long & Short Term Disability Attorney Cleveland, Ohio

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Long & Short Term Disability Lawyers Cleveland, Ohio

Purchasing disability insurance is always a wise move, especially if you have a job that requires physical labor, working around machinery and chemicals, or driving company vehicles. Workers’ compensation claims and personal injury lawsuits may not always guarantee you receive the compensation needed to replace lost wages following an on-the-job accident.

Disability policies can also secure you against suffering financial difficulties after you fall or get hurt at home, get sick or become a victim to someone else’s negligence or recklessness. Paying monthly premiums on a long-term and/or short-term disability insurance policy can provide peace of mind for you and your family should you lose the ability to work or to continue earning the salary you previously did.

Keep in mind, though, that disability insurance payments only replace wages. You cannot count on such a policy to cover medical expenses, nursing home costs, emotional suffering, mental health care or rehabilitative services. Still, monthly or lump-sum disability payments can mean the difference between struggling to keep a roof over your head and having the financial security to attend to your health while enjoying your life with loved ones.

But what happens when the company that issued your disability policy decides not to pay on your claim? Denial of disability claims happens more often than most insurers would care to admit. The Cleveland short & long term disability lawyers with Agee Clymer Mitchell and Portman have heard just about every reason an insurance company representative can give for refusing to honor claims.

The complex language of insurance contracts give companies many opportunities to make their case for not paying claims, ranging from the location of the accident that disabled the policyholder to the health status of the person making the claim. For instance, a company may argue that a smoker’s debilitating lung disease cannot be linked to a coverable incident–the preexistent condition loophole. Other reasons short- and long-term disability claims get turned down include:

  • Missing records from doctors and hospitals
  • Skipping doctor appointments or halting treatment (even if you can show financial hardship forced you to do so)
  • Contested certification of disability from your primary care physician (i.e., insurers seek their own second opinions)
  • Excluded conditions (be sure to check any policy’s fine print before signing it)
  • Missed filing deadlines (sometimes by minutes)

How Cleveland Long & Short Term Disability Attorneys Help You

Successfully appealing a denied disability claims requires compiling extensive medical evidence, producing a thorough life history, and bringing to bear the kind of legal expertise, time, dedication and willingness to fight many people cannot muster or sustain without assistance. This is where an Agee Clymer Mitchell and Portman attorney can prove invaluable to you as you seek disability insurance payments.

Insurers sometimes appear to unnecessarily complicate and drag out claim denial appeals processes in the hopes that people seeking short- or long-term disability payouts will give up in frustration. When stall tactics do not work, insurers may seek to discredit experts supporting disability people’s claims. Another tactic is to offer a low settlement amount in order to entice disabled policyholders to stop requesting all they may be entitled to receive.

Contact Long & Short Term Disability Lawyers in Cleveland, Ohio

Standing up to an insurance company is difficult, time-consuming and discouraging. You need an advocate who knows how to cut through insurers’ red tape and break through the obstacles the company will put in your way in an effort to deny you the payments you are due. Before accepting an insurance claim denial or a low-ball settlement simply because continuing to insist on your rights seems like too much trouble, contact one of our Cleveland short-term disability attorneys or long-term disability lawyers for a free consultation. We can answer your questions even if we do not take your case.

You deserve a champion. Let an Agee Clymer Mitchell and Portman disability attorney be yours.


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Long & Short Term Disability Attorney Cleveland, Ohio News
  • How Are SSDI and SSI Different?

    SSDI and SSI are the principal disability benefits programs operated by the U.S. federal government. While both are available to the same groups of people whose physical, mental, or emotional health leaves them unable to work, the programs use different eligibility criteria. As summarized on the Social Security website, the basic differences are that Social […]

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  • How to Appeal a Short-Term Disability Denial

    Many public and private programs exist to provide short-term disability benefits to injured and ill workers in Ohio. These include Ohio Workers’ Compensation Personal and company insurance Funds like the Ohio Public Employees Retirement System (OPERS) and the State Teachers Retirement System of Ohio.

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I want to thank you for representing me with my Worker’s Compensation claim. Obviously, I am very happy with the decision of Hearing Officer. I know that my employer can still appeal the decision but I hope that will not be the case. Regardless, I...

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