Colorado Springs Disability Law Attorney

Colorado Springs Disability Law Lawyer

An injury or medical diagnosis that leads to a disability can come with concerns about how you will support yourself and your family. Medical bills can mount quickly, leaving you feeling helpless and uncertain about the future. Many people in these seemingly dire situations turn to a skilled Colorado Springs disability law attorney for help finding compensation for their debilitating injury or illness.

Common Causes of Disabilities in Colorado Springs

The progression of serious illnesses and conditions is a common cause of workplace disabilities. Any serious injury can also leave workers unable to perform their normal tasks. Disabilities are generally categorized as short-term or long-term.

Anyone who seeks compensation from a government program or their employer’s insurance policy generally has to demonstrate that they are experiencing serious medical problems that prevent them from performing their job. Developing flu-like symptoms, for example, would not likely qualify as a disability because any worker could come down with a cold or flu.

Common causes of a disability include:

• Musculoskeletal disorders
• Cancer
• Rheumatological disorders
• Neurological conditions and traumatic brain injuries
• Eye injuries
• Sleep disorders
• Severe bodily injuries

Americans have a 40% chance of developing cancer in their lifetimes. Another common cause of disability is a back injury. No matter the cause of a disability, workers in Colorado Springs often face challenges when seeking compensation from insurance companies. Disability attorneys focus on helping injured individuals find compensation.

Do All Colorado Springs Employers Provide

Colorado, like many states, does not require employers to carry individual disability insurance (IDI). Many employers, however, do provide those benefits to workers, along with health and life insurance. IDI policies often extend benefits to the worker’s family members.

If you were recently disabled, the most likely source for compensation is often your employer’s IDI policy. Unfortunately, many insurance carriers fail to act in good faith when paying out benefits. A disability law attorney can hold the insurance carrier accountable and demand that you receive appropriate compensation.

Workers who do not have access to employer disability policies may be eligible for benefits funded by the state or federal government.

How Can I Be Compensated Following a Disability in Colorado Springs?

Compensation for your disability could come from your employer or an existing government program. The Employee Retirement Income Security Act, enacted in 1974, sets federal standards for most private industry retirement and health plans, ensuring participant protection.

The ERISA mandates plan transparency, establishes criteria for participation, vesting, and funding, defines fiduciary responsibilities, requires grievance processes, grants participants legal recourse for benefits and fiduciary breaches, and ensures payment of certain benefits.

An experienced disability insurance lawyer can use the law to ensure that their clients receive disability benefits from their employer’s insurance policy.

Your disability insurance lawyer can tap into short-term disability (STD) benefits under a group plan from your employer’s insurance carrier, covering missed workdays. Filing forms through your attorney notifies the insurer of your incapacity to perform regular duties. Reimbursement typically ranges from 60% to 100% of your pre-disability earnings.

Additionally, individually purchased long-term disability (LTD) policies in Colorado provide benefits to policyholders unable to work due to non-work-related injuries or illnesses. These benefits pay a portion of pre-injury wages, typically after a waiting period.

You may also be eligible for benefits through an Employee Retirement Income Security Act claim. Those benefits are provided through employer-sponsored insurance plans. The Colorado PERA Disability Program provides benefits for most government workers. The worker must first accrue more than five years of service credit.

Why Choose McDermott Law, LLC

Seeking compensation, whether from a private insurer or government agency, can be daunting. Insurance companies often fail to act in good faith when they know a disabled worker does not have legal representation.

The application process is often lengthy, and even minor mistakes on forms can result in denied claims. Disability insurance companies frequently reject valid claims. At McDermott Law, LLC, we have a long history of navigating these challenges. Our firm excels in guiding clients through legal complexities, challenging insurers, and securing maximum compensation.

Our extensive legal experience and client-focused approach have served our clients well over the years in Colorado Springs and other related locations. Our lawyers are skilled negotiators in mediation and arbitration. When needed, we can be formidable litigators.

If you’ve been denied disability benefits, our knowledgeable attorneys can assist with the application process or appeal. We offer a no-cost review of your claim and provide clear options for pursuing compensation for your injuries.

FAQs

What Is the Most that a Social Security Disability Lawyer Can Charge?

Any attorney who represents you as your file for Social Security can only charge upward of $7,200 for their services. A reputable attorney should disclose these and other fees. Not every Social Security claim settlement can reach the maximum attorney contingency fee.

One benefit of working with an attorney on contingency is that they are not paid until you are paid, so you do not have to worry about paying up-front and out-of-pocket for legal representation.

How Do I Get on Disability in Colorado?

You can get on disability in Colorado by hiring a disability law attorney who understands how to find the proper source of compensation for your disability benefits. Your lawyer can review your case to see if your employer’s private insurance policy can cover your disability costs.

If needed, your attorney can also apply for benefits through the state or federal government. Having legal representation can greatly improve the chances that you receive timely and prompt benefits.

What Is the Easiest Condition that Qualifies for Disability?

The easiest condition that qualifies for disability is one that is severe and backed by medical evidence. Conditions that directly impede a worker’s ability to perform their normal work duties often easily qualify for disability benefits. A personal injury attorney can rely on their years of experience when helping you qualify for disability insurance.

What Conditions Automatically Qualify You for Disability Near Colorado Springs, CO?

There are certain conditions that are recognized by the Social Security Administration (SSA) as meeting their disability standards more easily due to their severity and expected impact on functioning.

These include terminal diseases like cancer and severe and often terminal diseases like ALS and end-stage renal disease. Serious, life-threatening diseases and conditions often require immediate and ongoing medical interventions that make returning to work unfeasible.

Schedule Your Colorado Springs Disability Consultation Today

If you are facing the new reality of living with a disability, you are likely dealing with multiple challenges. Without legal representation, insurance carriers may try to take advantage of you by denying benefits or offering inadequate compensation. One way you can protect your rights is by hiring a law firm with a track record of helping clients receive critical disability benefits.

At McDermott Law, LLC, our skilled attorneys have handled countless health insurance claims. We can represent you and handle the claim process on your behalf. To start the process, contact our office today to schedule a consultation.