Why You Need Long-Term Disability Insurance

Although you may never believe you will suffer a serious injury or medical condition that will keep you from working, statistics suggest otherwise. The United States Census Bureau reports that one in five American workers will become disabled at some point in his or her life and miss an average of two and a half years of work and paychecks. You need long-term disability insurance in order to protect yourself from the possibly devastating financial consequences of a long-term disability.

Long-term disability insurance is a great way to make sure you are covered during the length of your disability so you can support yourself and your family. Unfortunately, there are some insurance companies who act in bad faith and refuse to pay benefits, even on valid claims. If this has happened to you, the Dallas insurance litigation attorneys of Smith Kendall, PLLC, can help. Contact us today at 214-361-6124 to discuss your case.

How LTD Benefits Help

Without a steady income, you may find it impossible to keep up with financial obligations and to pay your bills on a monthly basis. You do not have to fall into debt because of a disability you cannot control, however. Long-term disability insurance benefits will help you after your short-term benefits run out and will continue paying you anywhere from 60 to 80 percent of your income until you recover.

Getting benefits can be very difficult, especially if you have to do it alone. You need a qualified legal professional on your side to ensure that an insurance company does not violate the terms of your policy.

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As you attempt to recover from your disability, you should not also have to worry about how you will support your family. If you have encountered resistance to your long-term disability claim, contact the Dallas insurance litigation attorneys of Smith Kendall, PLLC, by calling 214-361-6124.

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Smith Kendall, PLLC

5910 North Central Expressway #925
Dallas, TX 75206

Phone: (214) 361-6124
Fax: (214) 361-6126

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