When you face a long-term disability, finding the right legal representation can be crucial.
Miami residents seeking assistance with disability claims have several experienced attorneys to choose from.
These lawyers specialize in navigating the complex world of long-term disability insurance and can provide invaluable support throughout the claims process.
Experienced long-term disability lawyers in Miami can help you understand your rights, interpret your insurance policy, and fight for the benefits you deserve. They are well-versed in dealing with insurance companies and can guide you through the often-challenging appeals process if your claim is initially denied.
With their expertise, you can focus on your health and recovery while they handle the legal aspects of your case.
1) Perkins Law Firm
Perkins Law Firm stands out as a top choice for long-term disability representation in Miami.
Their team of experienced attorneys specializes in helping clients navigate complex disability claims.
You can rely on their expertise to guide you through the often confusing process of filing for long-term disability benefits.
The firm’s attorneys are well-versed in both state and federal disability laws.
Perkins Law Firm prioritizes personalized attention for each client.
They understand that every case is unique and requires a tailored approach.
Their track record of success speaks volumes about their capabilities.
The firm has helped numerous clients secure the benefits they deserve, often in challenging cases where initial claims were denied.
You’ll appreciate their commitment to clear communication throughout your case.
They keep you informed at every stage, explaining complex legal concepts in easy-to-understand terms.
The firm offers free initial consultations to assess your case.
This allows you to discuss your situation without financial risk and determine the best course of action for your disability claim.
2) Gallagher & Associates
Gallagher & Associates is a reputable law firm in Miami specializing in long-term disability cases.
Their team of experienced attorneys is dedicated to helping clients navigate the complex world of disability claims.
You can expect personalized attention and a thorough understanding of your unique situation when working with Gallagher & Associates.
Their lawyers take the time to listen to your concerns and develop a tailored strategy for your case.
The firm’s expertise extends to various types of long-term disability claims, including those involving private insurance policies and employer-sponsored plans.
They are well-versed in the intricacies of ERISA law, which governs many long-term disability policies.
Gallagher & Associates prides itself on its track record of successful outcomes for clients.
Their attorneys are skilled negotiators and, when necessary, fierce litigators who will fight for your rights in court.
You can benefit from the firm’s extensive knowledge of insurance company tactics and their ability to counter these strategies effectively.
They work diligently to gather and present compelling evidence to support your claim.
The firm offers free initial consultations, allowing you to discuss your case without financial pressure.
They typically work on a contingency fee basis, meaning you only pay if they win your case.
3) Rarick, Beskin & Garcia Vega
Rarick & Beskin, P.A. is a law firm located in Miami Lakes, Florida, specializing in estate planning, asset protection, probate, and trust closure.
While they may not exclusively focus on long-term disability cases, their expertise in legal matters related to financial planning and asset protection could be valuable for individuals dealing with disability issues.
The firm’s attorneys have over two decades of experience serving clients in the Miami area.
Their services cater to small business owners and professionals, which may include those seeking guidance on disability-related legal matters.
You might find their knowledge of tax and business law particularly useful if you’re navigating the complexities of long-term disability and its impact on your financial situation.
Their understanding of trusts and estate planning could help you protect your assets and plan for the future in light of a disability.
Although not specifically marketed as long-term disability lawyers, Rarick & Beskin’s expertise in asset protection and estate planning could complement the services of a disability-focused attorney.
Their experience in dealing with complex financial situations might prove beneficial when addressing the long-term implications of a disability claim.
4) Kaire & Heffernan, LLC
Kaire & Heffernan, LLC is a reputable law firm in Miami specializing in long-term disability cases.
You’ll find their office conveniently located at 999 Brickell Ave, PH 1102, in the heart of Miami’s financial district.
The firm’s attorneys bring extensive experience to the table, offering personalized counsel and dedicated support for clients facing long-term disability challenges.
Their approach combines professional expertise with a commitment to understanding your unique situation.
When you choose Kaire & Heffernan, you’re selecting a team recognized for their legal prowess.
They have been metro ranked in personal injury litigation, which often intersects with long-term disability cases.
The firm’s size allows for focused attention on your case.
With a team of 2-5 attorneys, you can expect a balance of resources and individual care.
This structure enables them to handle complex long-term disability claims effectively while maintaining a personal touch.
You’ll appreciate their comprehensive approach to long-term disability law.
They understand the intricacies of dealing with insurance companies and can guide you through the often-complicated claims process.
Kaire & Heffernan’s track record speaks to their ability to advocate vigorously for their clients.
They strive to secure the benefits you deserve, whether through negotiation or litigation if necessary.
5) Law Offices of Sean M. Cleary
The Law Offices of Sean M. Cleary is a highly regarded legal practice in Miami.
You can trust their expertise in handling long-term disability cases with professionalism and dedication.
Sean M. Cleary, the firm’s principal attorney, has built a reputation for excellence in personal injury law.
His experience extends to complex litigation cases, including those involving long-term disability claims.
The firm has received recognition as one of the Best Law Firms in America since 2018.
This accolade speaks to their commitment to providing top-quality legal services to their clients.
You’ll find that Sean M. Cleary has been acknowledged as one of America’s Top 100 Personal Injury Lawyers.
This distinction reflects his skill and success in advocating for clients’ rights.
When you choose the Law Offices of Sean M. Cleary, you’re selecting a team with a proven track record.
They have handled numerous jury trials and bench trials in Florida State Courts and Federal Courts.
The firm offers bilingual representation in English and Spanish.
This ensures that you can communicate effectively with your legal team, regardless of your preferred language.
You can expect personalized attention to your case when working with this firm.
They understand the complexities of long-term disability claims and will work diligently to protect your interests.
6) Dolman Law Group
Dolman Law Group is a well-respected firm in Miami specializing in Social Security Disability cases.
Their experienced attorneys understand the complexities of long-term disability claims and work tirelessly to secure the benefits you deserve.
The firm’s approach is client-centered, ensuring you receive personalized attention throughout the legal process.
They recognize that each case is unique and tailor their strategies to meet your specific needs.
Dolman Law Group’s attorneys are well-versed in the intricacies of Social Security Disability law.
They can guide you through the often confusing application process, helping you avoid common pitfalls that lead to claim denials.
If your initial claim has been denied, don’t lose hope.
The firm’s lawyers are skilled in handling appeals and can represent you at hearings, presenting compelling evidence to support your case.
You can benefit from their extensive experience in dealing with the Social Security Administration.
Their knowledge of the system can significantly improve your chances of a successful outcome.
The firm offers a free initial consultation to discuss your case.
This allows you to understand your options without any financial commitment.
Their attorneys will explain the process and help you determine the best course of action for your situation.
7) Holliday Karatinos Law Firm, PLLC
Holliday Karatinos Law Firm, PLLC is a respected legal practice with offices in Lutz and Brooksville, Florida.
While not specifically located in Miami, their expertise in personal injury cases makes them worth considering for long-term disability claims.
The firm specializes in representing clients involved in serious accidents and injuries.
Their attorneys have decades of experience in advocating for injured individuals in Florida courtrooms.
You’ll find that Holliday Karatinos Law Firm offers legal representation in a wide range of personal injury matters.
They have assisted numerous clients who have been involved in serious car and truck accidents.
The firm has received positive recognition from clients, earning a 4.8 rating based on 71 reviews.
This speaks to their commitment to client satisfaction and successful case outcomes.
If you’re seeking legal assistance for a long-term disability claim, you may want to reach out to Holliday Karatinos Law Firm.
They offer free consultations, allowing you to discuss your case without any initial financial commitment.
While their main office is not in Miami, their experience in personal injury law could be valuable for your long-term disability case.
You can contact them to learn more about how they might be able to assist with your specific situation.
8) Steinger, Iscoe & Greene
Steinger, Iscoe & Greene is a personal injury law firm with a strong presence in Florida.
They primarily focus on personal injury cases, but they also handle long-term disability claims.
You can benefit from their extensive experience in dealing with insurance companies.
Their attorneys are skilled at analyzing all aspects of your case to ensure your medical expenses, lost wages, and long-term care needs are accurately represented.
The firm’s lawyers are adept at handling disputes over fault and navigating Florida’s complex insurance regulations.
This expertise can help prevent lowball offers from insurers and maximize your long-term disability settlement.
Steinger, Iscoe & Greene has a team of skilled attorneys with decades of combined legal expertise.
They pride themselves on hiring only the best lawyers to represent their clients.
When you choose this firm, you’ll work with attorneys who have a track record of winning cases.
Their commitment to client advocacy has been a cornerstone of their practice since 1997.
The firm’s approach involves dedicated personal attention to each case.
You can expect them to thoroughly investigate your claim and build a strong case to support your long-term disability benefits.
While their main office is in West Palm Beach, they serve clients throughout Florida, including Miami.
Their reputation for client satisfaction is reflected in numerous positive reviews from past clients.
9) Law Offices of Barry Feinstein & Affiliates, P.C.
While not located in Miami, The Law Offices of Barry Feinstein & Affiliates, P.C. has over 25 years of legal experience protecting the rights of injured persons throughout New England.
Their expertise extends to various types of personal injury cases.
The firm’s managing attorney, Barry A. Feinstein, graduated from Northeastern University in 1973 and received his law degree from New England School of Law in 1977.
He is licensed to practice in Massachusetts and federal courts.
You can benefit from their extensive experience in handling a wide range of legal matters, including personal injury accidents.
Their dedicated team offers knowledgeable legal representation to clients throughout Massachusetts.
The Law Offices of Barry Feinstein & Affiliates, P.C. assists injured persons in all types of situations, such as motor vehicle accidents, workplace injuries, and medical malpractice cases.
They understand that the road to recovery after an injury can be challenging.
If you’re seeking legal assistance, you can reach out to their office located at 100 Lowell St. in Peabody, MA.
They offer a toll-free number for easy contact and provide driving directions on their website.
Although this firm is not based in Miami, their commitment to protecting the rights of injured individuals demonstrates the qualities you should look for in a long-term disability lawyer in your area.
10) Deutchman & Levinson
Deutchman & Levinson is a respected law firm in Miami specializing in long-term disability cases.
Their experienced attorneys are dedicated to helping you navigate the complex world of disability claims.
When you’re facing challenges with your long-term disability benefits, Deutchman & Levinson can provide the legal support you need.
Their team understands the intricacies of disability law and can guide you through the process.
The firm’s attorneys are known for their professional approach and attention to detail.
They work diligently to ensure your rights are protected and that you receive the benefits you deserve.
Deutchman & Levinson offers personalized service tailored to your specific situation.
You can expect clear communication and regular updates on your case’s progress.
With their extensive knowledge of disability insurance policies and ERISA regulations, the firm’s lawyers can help you navigate claim denials and appeals.
They’ll work tirelessly to build a strong case on your behalf.
If you’re struggling with a long-term disability claim in Miami, consider reaching out to Deutchman & Levinson.
Their expertise could make a significant difference in the outcome of your case.
Understanding Long-Term Disability Law
Long-term disability law protects individuals who are unable to work due to prolonged illness or injury.
It involves complex policies and legal provisions that determine eligibility and benefits.
What Qualifies as Long-Term Disability?
Long-term disability typically refers to a condition that prevents you from performing your job duties for an extended period.
Most policies define this as 90 days or more.
Qualifying conditions can include:
- Chronic illnesses
- Severe injuries
- Mental health disorders
- Degenerative diseases
Your ability to work in your “own occupation” or “any occupation” is often a key factor.
Some policies transition from “own occupation” to “any occupation” after a certain period.
Experienced disability attorneys can help you navigate these definitions and prove your case.
Key Provisions in Disability Insurance Policies
Understanding your policy is crucial.
Important provisions to look for include:
- Elimination Period: The waiting time before benefits begin
- Benefit Period: How long payments will continue
- Definition of Disability: “Own occupation” vs “any occupation”
- Exclusions: Conditions not covered by the policy
- Offset Provisions: How other income affects your benefits
Pay attention to clauses about pre-existing conditions and limitations on certain disabilities.
Some policies cap benefits for mental health or substance abuse issues.
Review your policy carefully or consult a long-term disability lawyer to fully understand your rights and obligations.
Choosing the Right Long Term Disability Lawyer
Selecting an experienced attorney is crucial when dealing with long-term disability claims.
The right lawyer can significantly impact the outcome of your case and help you navigate complex legal processes.
Experience and Specialization
Look for a lawyer who specializes in disability insurance law.
This expertise is vital as disability law is complex and constantly evolving.
An attorney with years of experience handling long-term disability cases will be familiar with insurance company tactics and know how to counter them effectively.
Check the lawyer’s track record in winning disability cases.
Ask about their success rate and the types of disabilities they’ve handled.
A seasoned attorney will have experience with various medical conditions and understand how to present your case effectively.
Consider the lawyer’s reputation among peers and insurance companies.
A well-respected attorney may have more leverage when negotiating with insurers.
Client Testimonials and Reviews
Reading client reviews and testimonials can provide valuable insights into a lawyer’s performance and client satisfaction.
Look for feedback about the attorney’s communication skills, responsiveness, and ability to explain complex legal concepts.
Pay attention to reviews that mention similar cases to yours.
These can indicate how well the lawyer might handle your specific situation.
Don’t hesitate to ask the attorney for references from past clients.
Speaking directly with former clients can give you a clearer picture of what to expect during the legal process.
Consider online ratings and reviews from reputable legal directories.
These can offer additional perspectives on the lawyer’s reputation and abilities.
The Legal Process for Long-Term Disability Claims
Navigating long-term disability claims involves several key steps.
Understanding each phase can help you prepare and improve your chances of a successful outcome.
Initial Consultation
When seeking long-term disability benefits, your first step is to schedule a consultation with an experienced attorney.
During this meeting, you’ll discuss your medical condition and how it affects your ability to work.
The lawyer will review your policy to understand your coverage and eligibility.
They’ll explain the claims process and potential challenges you may face.
Bring relevant documents to this meeting, including:
- Your disability insurance policy
- Medical records
- Employment information
- Correspondence from your insurer
This initial discussion helps you decide whether to proceed with a claim and sets the foundation for your case.
Filing a Claim
Filing your long-term disability claim requires careful preparation.
Your attorney will guide you through gathering necessary evidence to support your case.
Key steps in filing include:
- Completing claim forms accurately
- Obtaining detailed medical reports from your doctors
- Collecting statements from colleagues or supervisors about your work limitations
- Documenting how your disability impacts your daily life
Your lawyer will review all documents before submission to ensure they present a strong case for your disability.
They’ll also handle communications with the insurance company, protecting your rights throughout the process.
Appealing a Denied Claim
If your initial claim is denied, don’t lose hope.
You have the right to appeal, and many claims are approved on appeal.
Your attorney will:
- Review the denial letter to understand the insurer’s reasons
- Gather additional medical evidence to address any gaps
- Obtain expert opinions if necessary
- Prepare a comprehensive appeal package
The appeal process can be complex, often involving strict deadlines and specific legal requirements.
Your lawyer will ensure all procedures are followed correctly, maximizing your chances of overturning the denial.
If the appeal is unsuccessful, your attorney can discuss the option of filing a lawsuit against the insurance company.
Frequently Asked Questions
Understanding the intricacies of long-term disability claims can be challenging.
Here are some common questions that arise when seeking legal assistance for these cases in Miami.
What criteria determine eligibility for long-term disability benefits in Florida?
Eligibility for long-term disability benefits typically depends on your specific policy terms.
Generally, you must have a medical condition that prevents you from performing your job duties.
Some policies require you to be unable to work in any occupation.
How are attorney fees structured for long-term disability cases?
Most long-term disability lawyers in Miami work on a contingency fee basis.
This means you pay nothing upfront.
The attorney’s fee is typically a percentage of the benefits you recover, often around 25-40%.
Is hiring an attorney necessary for pursuing a long-term disability claim?
While not mandatory, hiring an attorney can significantly improve your chances of success.
Lawyers understand the complex legal and medical aspects of these claims and can navigate the often-challenging process on your behalf.
What should one look for when choosing a lawyer for a long-term disability case?
Look for an attorney with specific experience in long-term disability cases.
Check their track record of success and client reviews.
Ensure they communicate clearly and make you feel comfortable discussing your case.
What are the common challenges faced during the long-term disability claims process?
Common challenges include providing sufficient medical evidence, dealing with insurance company tactics to deny claims, and navigating complex policy language. Experienced disability attorneys can help overcome these obstacles.
How long does it typically take to resolve a long-term disability claim with the help of an attorney?
The timeline varies depending on the complexity of your case.
Simple claims might resolve in a few months, while more complex cases could take a year or more.
Your attorney can provide a more accurate estimate based on your specific situation.