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Long-Term Disability

Long-Term Disability Attorneys Serving Fargo, Grand Forks & Greater ND

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Protect Your Lifestyle & Financial Future

You have a right to be proud of your work and your career. When a serious health problem threatens all of it, you deserve financial protection to maintain the lifestyle you’ve earned.

Long-term disability (LTD) insurance is supposed to provide that protection.

But what if the insurance company fails you?

If they denied—or cut off—your long-term disability benefits, you don’t have to accept it.

The long-term disability lawyers at the Schneider Law Firm stand up for everyday people in Fargo, Grand Forks, across North Dakota and northwest Minnesota to get the benefits you deserve.

For us, it’s about results for you.

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Why Was I Denied Long-Term Disability Benefits?

Long-term disability is like a lot of insurance: You want it, but you hope you never use it.

Sometimes, life has other plans.

But when you need coverage the most, insurance companies and claims administrators often put their profits above your needs. They try to avoid paying you months or years of benefits.

Insurance companies might come up with a lot of reasons to deny your claim:

They’ll say you don’t meet their definition of having a “disability.”
They’ll say they don’t cover your particular illness or injury.
They’ll dwell on certain medical records that make it look like you don’t need help.
A claims adjuster will gloss over or misunderstand your health problems.
The insurance company will hire a medical expert to build a case against you.
They’ll argue you aren’t following the right medical treatment plan.
After paying you for a while, they’ll raise their standard for a qualifying disability and terminate your benefits.
They might even conduct surveillance on you, looking for signs that you’re healthy.

The long-term disability attorneys at the Schneider Law Firm know how to combat all of these insurance company excuses to deny your benefits.

You can get us to look at your situation—and your options for pushing back—FOR FREE.

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What If I Have ERISA Long-Term Disability—or an Individual Policy?

a woman wearing eyeglasses is looking at the paper while holding a phone on her ears

Long-term disability insurance comes in two major forms: a policy you get through your employer or a policy you buy individually.

If you get your LTD coverage at work, chances are your plan falls under a federal law called ERISA—the Employee Retirement Income Security Act. Private, individual plans, meanwhile, are set up outside ERISA.

These are some differences between ERISA policies and individual policies:

ERISA:

The regular premiums you pay are generally lower.
The amount of payment you receive on a claim is also lower.
To qualify for payment, you might have to prove you can’t perform any job, not just your past job.

Individual Policies:

They’re more expensive.
They generally pay more when you have a claim.
They might only require you to prove you can’t do your own job, not any job.

Sometimes an insurance company will tell you your policy falls under ERISA and its tougher rules, when it’s not true. It’s also possible that state laws govern your insurance policy, which means you could have a claim for insurance bad faith if they deny your benefits.

When you have a claim for long-term disability, you may also qualify for government disability benefits through Social Security Disability.

At the Schneider law firm, we can help you with that, too.

In fact, we’ll pursue every avenue to get you the maximum possible financial assistance when bad health means you can’t work.

We’re friendly to you, but forceful about your case.

Give me my
free case
consultation

Long-Term Disability

Long-Term Disability Attorneys Serving Fargo, Grand Forks & Greater ND

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Protect Your Lifestyle & Financial Future

Why Was I Denied Long-Term Disability Benefits?

What If I Have ERISA Long-Term Disability—or an Individual Policy?

Section Break

Section Break

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Fargo Main Office

Grand Forks Office

Call Us Now

Request
Consultation

Long-Term Disability

Long-Term Disability Attorneys Serving Fargo, Grand Forks & Greater ND

Section Break

Section Break

Section Break

Section Break

Section Break

Protect Your Lifestyle & Financial Future

Why Was I Denied Long-Term Disability Benefits?

What If I Have ERISA Long-Term Disability—or an Individual Policy?

Section Break

Section Break

Section Break

Section Break

Section Break

Fargo Main Office

Grand Forks Office

Call Us Now

RequestConsultation

Request
Consultation