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Many People Underestimate Their Odds of Disability

Posted by Gregory Paul | Jan 19, 2017 | 0 Comments

When workers and their families are planning for the future, they may look to their employee benefits options. This includes retirement plan options for the day when the employee can retire. It may also include life insurance coverage just in case something goes wrong and they need to make sure their family is taken care of. However, many people never consider the chance they will become disabled and unable to provide for their loved ones.

According to the Social Security Administration, almost a quarter of adults will become disabled before they reach retirement. Tens of millions of Americans are considered disabled, and unable to work to support themselves and their families. Disability happens more often than most people consider and can take workers and their families by surprise.

While some risk factors make it more likely that some individuals will become disabled, disability can happen to anyone. Risk factors include physical health, exercise, use of alcohol, tobacco or drugs, and high-risk activities. However, injuries and disease can strike even the healthiest and most risk-averse. This includes disorders and diseases such as cancer, heart attack, stroke, arthritis, diabetes, multiple sclerosis, and mental illness.

Most private industry workers have some form of health care insurance provided by their employers. However, a much smaller percentage of private industry workers are offered short- and long-term disability insurance programs. According to the Bureau of Labor Statistics, participation in disability insurance programs has increased over the years, but it still remains a minority of private industry workers.

In 1999, only about a quarter of private industry workers were covered by long-term disability insurance. By 2014, almost one-third of workers had long-term disability coverage. Service industry workers have the lowest rate of disability insurance coverage, while management and professional occupations have higher rates of coverage.

Disability insurance replaces a portion of the income lost when an individual is unable to work because of an injury or illness. Short-term disability policies generally cover people who are unable to work for 3 to 6 months. Long-term disability policies usually provide coverage through age 65 or regular retirement age.

A major problem for workers covered by disability insurance is that insurance companies may deny their disability claim. Disability claims may be denied because the insurance company does not consider the injury severe enough to be considered a disability, or claim the injured was not covered at the time. Disability claims can even be denied because of administrative errors, leaving the injured individual without the benefits they earned through service to their employer.

Greg Paul has years of experience fighting for his clients to make sure they get the disability benefits they deserve. We represent individuals and families who have been denied benefits by their insurance company or plan administrator. You have a limited time to appeal your disability denial, so do not delay. If you have been denied short-term or long-term disability benefits, contact our office for a free consultation.

About the Author

Gregory Paul

Gregory G. Paul is a trial lawyer who practices in the areas of disability, employment and toxic tort injury law. He is admitted to practice law in California, Maryland, Missouri, Ohio, Pennsylvania, Texas and West Virginia with additional admissions in federal courts nationwide. Greg is a graduate of the University of Pittsburgh and the University of the Pacific, McGeorge School of Law in Sacramento where he was on the Dean's List and Law Review.  He is a graduate of Gerry Spence's Trial Lawyers College.                        In addition to litigating cases on behalf of people denied benefits and rights, Greg has been a speaker at PBI: Employment Law West: Americans With Disabilities Act , Pittsburgh, PA (2012-2015); National Employment Lawyers Association: Breaking Down the Barriers in the Workplace, Oakland, CA (2010); NBI: Litigating ERISA Cases, Pittsburgh, PA (2008); ADA: Fighting for Fairness, Atlanta, GA (2006) and Chicago, IL (2008). He is a member of American Association for Justice, National Employment Law Association and the Million Dollar Advocates Forum. Greg is the Vice-Chair of the National Legal Advocacy Committee for the American Diabetes Association and recipient of the ADA 2008 National Service Award for Outstanding Advocacy.  LIST OF ADMISSIONS AND BAR ASSOCIATIONS Pennsylvania, 1999 West Virginia, 1999 Maryland, 2000 California, 2004 Ohio, 2005 Texas, 2006  Missouri, 2012 U.S. District Court, Western District of Pennsylvania U.S. District Court, Eastern District of Pennsylvania U.S. District Court, Middle District of Pennsylvania U.S. District Court, Southern District of West Virginia U.S. District Court, Northern District of West Virginia U.S. District Court, District of Maryland U.S. District Court, District of Colorado U.S. District Court, Northern District of Ohio U.S. District Court, Southern District of Ohio U.S. District Court, Eastern District of Texas U.S. District Court, Northern District of Texas U.S. District Court, Southern District of Texas U.S. District Court, Northern District of California U.S. District Court, Eastern District of California U.S. District Court, Central District of California U.S. District Court, Eastern District of Michigan U.S. District Court, Eastern District of Arkansas U.S. District Court, Northern District of Illinois U.S. Court of Appeals, 3rd Circuit U.S. Court of Appeals, 4th Circuit U.S. Court of Appeals, 5th Circuit U.S. Court of Appeals, 6th Circuit U.S. Court of Appeals, 9th Circuit U.S. Court of Appeals, 11th Circuit Supreme Court of the United States Allegheny Bar Association Federal Bar Association American Bar Association The American Association for Justice Million Dollar Advocates Forum National Employment Lawyers Association Sonoma County Bar Association

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Free Consultation

Please contact us for a free consultation with Greg concerning the denial of short-term or long-term disability benefits. Most clients prefer to have a contingency fee agreement, which means attorney fees are are payable if we are successful.

ERISA Experience

Greg Paul has 18 years experience fighting for long-term disability benefits against insurance companies such as Aetna, CIGNA, Guardian, Hartford, Liberty Mutual, Mutual of Omaha, Principal, Prudential, Reliance Standard, Standard, Sun Life, and Unum.