There are several types of disability benefits lawyers who focus on obtaining benefits for disabled workers. Typically, disability attorneys specialize in either Social Security Disability Insurance and Supplemental Security Income, Private Disability Insurance Policies, or Employer sponsored long term disability insurance policies (also known as ERISA policies).
Few lawyers focus on all of these areas although there is substantial overlap, and frequently a client facing a disability will have several of these options at her disposal.
Social Security Disability or SSI Lawyers
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are programs run by the federal government designed to provide a monthly income benefit to workers who are disabled and unable to work at competitive levels (called substantial gainful activity or “SGA”). The majority of Social Security and SSI claims are denied initially and on appeal. If you a claimant receives a “Notice of Disapproved Claim” she has a right to request a hearing in front of an Administrative Law Judge (ALJ). Hiring a disability attorney early can help gather evidence, work through “trick questions” on application forms, and present the case in front of the judge at any hearing.
Fees for Social Security attorneys are set by the government and limited. Read more here.
Long-Term Disability Insurance Lawyers
Long-Term disability (LTD) insurance can be purchased individually through a broker, or it may be a part of an employer’s benefits. LTD policies are meant to offer a monthly income for disabled individuals who cannot work. These policies, particularly offered through employers are often designed to supplement Social Security benefits. Unfortunately the law has put many tools in the hands of insurance companies to allow them to unfairly deny or terminate benefits. It is usually critical to consult with an LTD attorney as early as possible to make sure the worker’s rights are protected.
Fees for long-term disability attorneys can vary widely depending on the benefits at issue. Many attorneys will accept a case purely on a contingent basis, that means that you won’t pay a fee unless your are successful, but, attorneys may also be hired on an hourly or flat-fee basis.
Bross & Frankel, P.A. Disability Benefits Attorneys
When you can’t work, you need skilled assistance navigating the programs and benefits available to help get you back on your feet. Bross & Frankel has been helping individuals in the Philadelphia, South Jersey areas and throughout the nation for over 30 years. For a free claim review, call us today at (856) 795-8880.
If you’ve been injured at work, or your employer is keeping you from work due to discrimination, wrongful termination, or a refusal to grant reasonable accommodations, we can help you get back to work too!