Castle Rock Disability Law Attorney

Castle Rock Disability Law Lawyer

If you were recently seriously injured and became disabled, you are likely facing multiple challenges. When medical bills and other financial burdens leave you feeling overwhelmed, you can hire a Castle Rock disability law attorney who can explore ways to have you compensated for your injury. The personalized advice of an attorney from McDermott Law, LLC experienced in disability law, can be an invaluable resource.

Common Causes of Disabilities in Castle Rock

Disabilities are generally classified as short- or long-term. Regardless of the cause of the disability, receiving benefits generally requires that the condition or injury require significant and ongoing medical treatments. A disabling injury or condition generally prevents workers from performing their usual duties.

Common causes of a disability include:

• Musculoskeletal system conditions
• Cancer
• Rheumatological disorders
• Back injuries
• Eye injuries
• Neurological conditions and traumatic brain injuries
• Sleep conditions
• Any serious bodily injury

Navigating state and federal government disability programs can be challenging, especially when you are dealing with a serious health problem. Many Castleberry workers turn to disability attorneys to help them find compensation.

Are Employers Required to Carry Disability Insurance?

In most states, including Colorado, your employer is not required to carry health insurance. Many employers voluntarily provide employees with important insurance benefits, including health, life, and disability insurance. Policies often extend benefits to family members. In addition to these benefits, long-term disability insurance is another crucial form of coverage that employers may offer.

When employers provide private disability insurance, those policies can provide important benefits for workers. If your employer does not provide disability insurance, you may still be eligible for government assistance. Your disability insurance attorney can help you find compensation for your disability.

Sources of Compensation Following a Disability

One common source of compensation your disability insurance lawyer can explore is short-term disability (STD) from a group plan. These benefits, provided by your employer’s insurance carrier, often include benefits for several days of missed work, although individual plan benefits vary.

To qualify for benefits, your attorney can file forms that inform the insurance company that you are unable to perform your normal duties. The reimbursement rate typically ranges from 60% to 100% of the disabled worker’s pre-disability wages.

Individually purchased long-term disability (LTD) policies in Colorado provide benefits to policyholders who are unable to work due to a non-work-related injury or illness. The benefits pay a percentage of pre-injury wages, and there is typically a waiting period before payments begin.

ERISA (Employee Retirement Income Security Act) claims involve benefits provided through employer-sponsored disability insurance plans. Successfully filing for ERISA disability claims is often difficult and typically requires the help of an attorney.

The Colorado PERA Disability Program provides disability benefits to employees of most governmental agencies and public entities in Colorado. Benefits are typically given out once the worker has accrued more than five years of service credit.

Why Choose McDermott Law, LLC

Whether you are seeking compensation from a private insurance company or government agency, you may face multiple obstacles. The process of applying for benefits is often time-consuming, and any error in filling out forms can lead to a rejected claim.

It is an unfortunate reality that disability insurance companies often reject lawful and legitimate requests for benefits. Without legal representation, a disability insurance carrier may feel emboldened to delay or reject your application.

Our law firm excels in guiding clients through legal complexities, challenging insurance companies, and securing maximum compensation. With legal skill and a strong commitment to clients, our attorneys are adept negotiators in mediation and arbitration.

We can also be formidable litigators in court when needed. Choosing McDermott Law, LLC, ensures top-tier representation, optimizing chances for favorable and efficient resolution of disability claims.

The disability insurance attorneys at McDermott Law, LLC, have experience pursuing disability benefits for injured workers. Our lawyers can handle the application process or fight any rejection of your claim. We can review your claim at no cost and explain what your options are for finding compensation for your injuries.

FAQs

What Does a Disability Lawyer Charge?

Many disability lawyers work on a contingency fee basis. They are not paid until their clients receive a fair settlement or compensation from a disability insurance carrier or government agency. The benefit of this payment arrangement is that the injured employee does not have to worry about paying out-of-pocket for legal services.

Is My Employer Required to Carry Disability Insurance?

As with many states, Colorado does not require employers to carry disability insurance policies for all of their employees, although many companies voluntarily choose to do so. If you were recently disabled, a disability insurance company can review your case to find the right option for finding you the benefits you need to pay for your lost wages and medical bills.

What Is the Attorneys for Disabled Americans Group?

Attorneys for Disabled Americans is an organization dedicated to providing legal assistance and advocacy for individuals with disabilities. They offer help with disability claims, including Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

They also advocate for the rights of disabled individuals and provide information and resources about disability rights and benefits.

What Is the Most Approved Social Security Disability?

Arthritis and back problems are the most common disability approved for Social Security disability benefits. Back injuries can develop in any work environment. Some back injuries result from a single accident, while degenerative causes can take years to cause a disability. Arthritis is typically caused by genetic factors, although work environments can aggravate symptoms.

What Is the Maximum Back Pay for SSDI?

The maximum back pay for Social Security Disability Insurance (SSDI) is typically limited to 12 months before the date of application. This means that if you are approved for SSDI benefits, you can receive retroactive payments for up to 12 months prior to your application date. This period is known as the retroactive period

Schedule Your Castle Rock Disability Consultation Today

A disability can leave you feeling uncertain about the future. You do not have to navigate your challenges alone. The lawyers at McDermott Law, LLC, have helped many disabled employees find the benefits they need to pay for their medical bills and make up for their lost wages.

We can file for disability benefits on your behalf. If your application has been rejected, we can review your claim and refile the necessary paperwork. Don’t wait to receive the benefits you are lawfully entitled to. Contact our office today to schedule your consultation.