Disability Insurance

Disability insurance can provide individuals and families with the income they need when financial providers are unable to work. Disability insurance can be purchased by individuals who are self-employed, as well as those who work for companies that provide benefits packages. Among the decisions that individuals will need to make when purchasing a policy is whether they should purchase short-term or long-term insurance. Regardless of the type of policy, disability insurance requires a waiting period to elapse before the payment of benefits commences. The length of the waiting period is one of the key factors that determine the cost of disability insurance policies. In addition to the policies for which individuals must pay premiums, they may be entitled to disability or Supplemental Security Income (SSI) from the Social Security Administration.

Applying for Disability Insurance

After suffering a personal injury or illness, when it becomes apparent that an individual will not be able to return to work in the near future, he must file a claim for his benefits.

• Even if the criteria are met, some insurance companies may be reluctant to honor the benefits.
• In these circumstances, whether individuals are having trouble obtaining SSI benefits or long-term disability payments, they can turn to lawyers who have experience in such matters.
• Lawyers can provide representation in communications with the insurance companies or in formal hearings, should that be necessary.

The attorneys David Allen & Associates Law have extensive experience in all aspects of disability law, from filing personal injury claims to bad faith insurance cases. Stockton and Los Angeles residents will find two convenient California locations where they can speak with attorneys at no initial cost.