Rhode Island Long-Term Disability Attorney

Has your long-term disability claim been denied?

Did your long-term disability insurance carrier stop paying benefits, even though you are still disabled?

When you change from a premium payer to claim filer, the relationship between you and your long-term disability insurance company can turn adversarial. Our Rhode Island long-term disability attorneys can ensure that your rights are protected.

Many people have long-term disability (LTD) coverage through their employer. This coverage is designed to pay a monthly benefit if you are unable to work due to a disability. These benefits are supposed to continue for as long as your disability continues, or until you reach retirement age.

While the employer offers the plan to all eligible employees, the actual coverage is provided by an insurance carrier. A long-term disability policy is a contract between you and the insurance carrier. The insurance company is required by state law to act in good faith in reviewing your long-term disability claim. If your insurance company denies your claim wrongfully or stops paying benefits even though you are still disabled, our attorneys can file a lawsuit against the insurance company to force them to pay the long-term disability benefits you are owed. If the court finds that the insurance company acted in bad faith, they can also award you the cost of your attorney fees.

Long-Term Disability Claim Experts

With over 50 years of combined experience, our Rhode Island long-term disability attorneys have been providing personal attention and zealous advocacy to disabled individuals throughout the state, including Providence, Kent, Bristol, and Washington counties.

Long-term disability claims are a highly specialized area of law. We are one of only two law firms in Rhode Island who handle long-term disability claims on a regular basis. Our experienced attorneys have handled many cases in federal court under ERISA (Employee Retirement Income Security Act), as well as in state court. More than 75 percent of the long-term disability claims we handle are referred to us from other law firms.

Long-term disability plans cover all types of disabilities, including back injury, spinal cord injury, brain injury, chronic disease, stress, and mental illness. To collect benefits, you have to prove that your disability prevents you from working not just at your present job, but at any kind of job. Our lawyers are familiar with the long-term disability policies of all the major insurers and know what types of medical proof you need to provide in order to qualify for benefits.

Our Rhode Island long-term disability attorneys are caring, knowledgeable, and willing to spend time with you to get the best result possible. We sympathize with our clients and understand the physical, emotional, and financial toll of a disability. We also understand the frustration our clients feel when an insurance company denies their claim for benefits.

People who are disabled and unable to work often find it difficult to pay for a lawyer to represent them in court. For this reason, we are willing to handle long-term disability claims for a combination of a contingency fee plus a flat fee up front.

So please do not hesitate to contact a Rhode Island long-term disability attorney at Robinson & Clapham to schedule a free initial consultation.

Our Rhode Island long-term disability attorneys assist clients throughout the state, including Providence, Cranston, Newport, Jamestown, North Kingstown, Barrington, Bristol, Pawtucket, Westerly, East Providence, Warwick, Wakefield, South Kingstown, East Greenwich, and Woonsocket.