McDermott Law, LLC

Pueblo Disability Law Attorney

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Pueblo Disability Law Lawyer

When you seek disability in Colorado, an experienced disability insurance attorney can help ensure that your claim or appeal has a higher chance of success. We can be that team to guide your through the process or to take on your insurance company in court if need be. Contact McDermott Law, LLC, for a consultation today.

McDermott Law, LLC, is the firm to contact when you need a fierce advocate. We understand the complexities of the disability insurance world and know how to handle your unique situation. We can help you with numerous steps, such as completing error-free paperwork, appealing denied disability claims, and suing the disability insurance company if necessary. Hiring our skilled disability law lawyers means you have gained a reliable partner in your fight.

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Helping You With Every Disability Case Type

Your disability can keep you out of work, making disability compensation critical to your safety and well-being. At McDermott Law, LLC, we have experience in a variety of disability claims, such as:

  • Short-Term and Long-Term Disability Insurance: Private insurance policies purchased through an individual or an employer should provide monthly income replacement benefits when needed. If you have one of these policies, become disabled, and cannot work for an extended period, you have rights. We can help you examine your policy and understand when you have a valid claim.
  • Insurance Disputes and Insurance Bad Faith Claims: “Bad faith” refers to an insurer’s actions that are unfair or unreasonable. This term can refer to denying a claim without proper investigation, making much too low settlement offers, or making unclear, delayed payments.
  • ERISA Claims and Appeals: Some people receive a denial when seeking disability benefits under their employer’s health plan. In this case, ERISA, or the Employee Retirement Income Security Act, mandates that they have the right to appeal the decision.
  • Individual Disability Insurance: We know how to translate your complex private disability insurance policy from complicated legal jargon into terms you can understand and fight for when needed. Our team can help you get the benefits from the organization required to give them to you.

Why Can Disability Approval Be So Difficult?

Dealing with a disability insurance company that does not want to pay your claim can be tricky without professional knowledge and experience of navigating the claim process successfully. The obstacles of disability applications and claims can easily overwhelm people who are already suffering a medical or mental condition that prevents them from working. Here is a closer look at common barriers:

Claim denials frequently occur when insurance companies prioritize their bottom line over customers’ well-being. Without legal representation, negotiating with these entities to get the compensation you deserve is extremely difficult.

McDermott Law, LLC, has experience navigating these obstacles. Do not face these challenges alone. We can dispute your disability denial so that you do not have to.

Seeking Help from a Disability Insurance Attorney

We know the physical, emotional, and financial toll that a disability can take on your life. The intricacies of the disability insurance claim process can add unnecessary stress when seeking benefits. Our qualified legal team can fight for the disability insurance benefits you paid for when you bought the insurance coverage. We can provide the following advantages:

  • We Take the Lead So You Can Focus on Recovery

Disability claims involve complicated forms, strict deadlines, and a confusing claim process that the insurance company hopes you do not understand. We have the knowledge to handle this process efficiently. Our methods ensure you submit your application, claim, or appeal correctly and on time. You can focus on your health and that of your loved ones, knowing your case is in good hands.

  • Building Cases That Win

Strong disability cases rest on accurate medical evidence. Comprehensive evidence will show your documented disability and how it limits your ability to work. We work with our clients to gather everything the short-term or long-term disability claim needs, including medical records, vocational opinions, treating doctor opinions, and other relevant supporting information.

  • Skilled Negotiation for Settlements

It takes years to become experienced enough to negotiate effectively with employers or insurance companies. Securing a fair settlement from these organizations can be nearly impossible without legal help. Our disability attorneys have fought for maximum settlements for people all over Colorado. Workers must know their rights under employer-sponsored long-term disability insurance, which can help ease the situation.

  • Your Representative in Court

When a fair settlement cannot be reached, we can help take your case to court. We take pride in our proven track record of fighting in courtrooms across Colorado. McDermott Law, LLC, has advocated for our clients against organizations attempting to withhold what they deserve.

FAQs:

What Is the Fee a Long-Term Disability Lawyer Will Charge?

The fee that a long-term disability lawyer will charge can depend on many factors. Many lawyers work on a contingency basis, meaning there is no charge upfront or if no benefits are won. If you do win a settlement or benefits, your long-term disability lawyer will take a percentage, which can vary. You should speak with your lawyer about their fees before you agree to hire them.

How Do You Get Disability in Colorado?

You receive disability in Colorado by having your application approved by the proper channels. The most critical step in obtaining disability benefits is filling out an appropriate and timely application accompanied by a doctor’s documented medical evidence. If the agency finalizes your application and sets a benefit amount, you will start receiving disability benefits.

The process can take months, if not longer, which is why it is wise to retain the services of an attorney. If you face a denial from certain agencies, you can appeal.

What Are Four Examples of Reasonable Accommodations That Can Be Made for Persons With Disabilities?

The Americans with Disabilities ACT (ADA) determines the reasonable accommodations that can be made for persons with disabilities in Colorado. The ADA is a federal law that prohibits discrimination against people with disabilities regarding employment and public services and accommodations. Examples of reasonable accommodations per the ADA include:

Modifying work tasks or equipment,
Developing flexible work schedules or leave policies,
Ensuring an accessible workplace, or
Providing assistive technology.
What Is the ADA Policy in Colorado?

Colorado’s ADA policy is the same as that of other states. The Americans with Disabilities Act prohibits any business or organization in Colorado from discriminating against people with disabilities. Qualifying companies or organizations must not discriminate in employment, public services and accommodations, telecommunications, and other areas.

Additionally, Colorado has the Colorado Anti-Discrimination Act (CADA), which covers areas not covered by the federal ADA, such as housing.

In accommodating people with disabilities, the accommodations must not impose hardship on the accommodating business.

Who Is Eligible for PERA Disability Benefits in Colorado?

In Colorado, public and governmental employees are eligible for PERA disability benefits. For example, public school teachers, judges, and state troopers who work in the state are PERA members. The qualifications for benefits will differ based on whether you’re seeking short-term disability or disability retirement.

For STD, you must be unable to perform your current job. You also cannot be able to work any job in which you would make 75% of your current salary. For disability retirement, you must be permanently unable to work any job where you would make 75% of your current wages.

Get Disability Insurance Legal Help in Pueblo

Do not let the complexities of the disability insurance claim process add to the burden you already carry. Our team understands the challenges of disability insurance claims and appeals, and our experienced Pueblo disability lawyer has the knowledge and compassion to fight for you. Let us handle your disability insurance claim or internal appeal of a denied claim process you focus on your health. Contact McDermott Law, LLC, today to find out how we can help you in Pueblo.

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