If you cannot work because of a physical or mental injury or illness, you may be eligible for long-term disability insurance benefits. Your entitlement to such disability coverage might be through a plan provided by your employer, the existence of which you might not even know about. Or you might be eligible for benefit payments through a disability insurance policy you purchased on your own, perhaps years ago. Either way, these long-term insurance benefits can pay you a substantial percentage of your salary while you remain unable to work because of your sickness or injury. The benefit payments may provide months or even years of crucial income replacement for you and your family while you are sick or injured.

The Law Office of Ian O. Smith can help you in several ways if you want to secure the months or years of disability insurance benefits you deserve.  We can help you:

• … navigate through the benefit application process by preparing an application and related paperwork, or by reviewing an application you have completed but have not yet submitted to your insurance company or employer.

• … if you have already been denied disability benefits after your initial claim, or have had your benefits terminated after a period of collection, and are faced with appealing the insurance company’s decision within a set timeframe (usually 180 days).

• … if you have already appealed a benefit denial or termination, and now must file a law suit in federal court to attempt to obtain your benefits.

Ian Smith has won or settled numerous clients’ disability benefit claims against many large disability insurers. For most of his clients, Ian is able to get benefits restored after gathering evidence, working with the clients and their doctors, and appealing internally to their insurers.  Time-consuming law suits are usually not necessary.  The disabilities at the hearts of the cases in which Mr. Smith has represented individuals have included, among others, cancer, diabetes-related fatigue, back injuries, vision impairments, Multiple Chemical Sensitivity syndrome, diabetic neuropathy, Chiari malformation, cardiac conditions, carpal tunnel syndrome, fibromyalgia, bowel and bladder incontinence, dementia, anxiety, depression, and post-traumatic stress disorder.

If you think The Law Office of Ian O. Smith, LLC might be able to help you, call (860)539-2156 to speak with Ian. You will not be charged for an initial consultation to discuss the facts of your disability claim.