FAQ: Long-Term Disability, AD&D

Why do I need a Disability Attorney? An attorney can help you from start to finish in the process of obtaining disability benefits. From the initial application to appeals and, if necessary, litigation, an experienced disability attorney can help you navigate the minefield of loopholes, exclusions and excuses used to deny valid claims for benefits. The application processes for SSDI and private disability insurance benefits are similar in many ways. The main difference between the two, however, is that insurance companies are motivated by profits. Of course, they make money by charging premiums, but they also add to their bottom line by denying claims. Edward Doskey is familiar with the fine print in disability insurance policies and the tactics the insurance companies use to deny valid claims. He can aid with the application process by showing you how to avoid common mistakes thereby increasing the chances of having your disability claim being approved at the outset. Even if your claim is denied, Mr. Doskey has the experience needed to handle the appeal process, and, if necessary, to sue the insurance company to obtain benefits on behalf of disabled clients. What is LTD (Long Term Disability)? LTD insurance and SSDI are similar to each other in many ways. Both disability plans require claimants to make a written application for benefits and, if denied, the insurance company, like the Social Security Administration, issues a written reason for the denial and explains the claimant’s appeal options. While the claim evaluation processes may be similar, insurance policies or plans do not necessarily define “disability” the same way the Social Security Administration does. It is...

Denied Life Insurance Claims

Attorney Ed Doskey in New Orleans, Louisiana represents clients with denied life insurance claims.   Rather than ongoing, monthly benefits, these insurance policies pay a lump sum of money in the event of an accidental death or loss of a limb (and sometimes an eye). The amount of the benefit depends on how much insurance is purchased and the nature of the accidental injury, dismemberment or death. However, as with Long Term Disability insurance (LTD), the AD&D insurance carriers do not always stand behind their customers. Sometimes insurance companies, relying on weak evidence, will deny a valid claim for benefits by accusing the claimant or the deceased of being negligent (e.g., operating a motor vehicle while under the influence of alcohol or drugs), or even of having committed suicide. As with LTD insurance, your AD&D coverage will be governed by ERISA if the insurance is provided in a private employer-sponsored plan. Otherwise, state insurance law will govern your claim. If your insurance company has denied your claim for benefits under an Accidental Death and Dismemberment (AD&D) policy, contact...

Personal Injury

Attorney Edward Doskey handles personal injury cases for clients in the New Orleans metro area. Please contact Attorney Edward Doskey for more information on personal injury...

About Attorney Edward Doskey, Disability Insurance, Workers’ Comp., and Personal Injury Lawyer

Edward A. Doskey’s practice is dedicated to representing the injured and disabled in workers’ compensation cases, long-term disability (LTD) insurance denials, ERISA, personal injury and wrongful death. Edward graduated Phi Beta Kappa from the University of Florida, with honors, in 1993, and he received his juris doctor from the Boston College School of Law in 1997. Mr. Doskey began practicing law in Coral Gables with the law firm of Sugarman & Susskind in 1997 where he began his experience as an ERISA and wage and hour Trial lawyer. Before joining this law firm, Edward was a partner at Matusek, McKnight, Poluse, Cangro and Doskey, P.A., in St. Petersburg, Florida where he did workers’ compensation insurance defense and claimants’ litigation and began his own Social Security claimants practice. Edward then practiced as a partner with the Kimsey Law Group in Tampa, Florida where he litigated and tried cases for plaintiffs and  in the areas of personal injury, long term disability, ERISA, and Social Security disability. For the past sixteen years Edward has devoted most of his practice to litigating disability and injury cases. He has represented hundreds of disabled clients in their appeals before the Social Security Administration and in disputes with insurance companies over denied private long-term disability (LTD) insurance payments, ERISA claims and denied life and accidental death and dismemberment (AD&D) claims. Edward has extensive experience litigating against insurance companies, whether the disability insurance policy was purchased individually or as part of an employer-sponsored group plan governed by the Employee Retirement Income Security Act (ERISA). Ed is licensed to practice in Florida and Louisiana, and maintains practices in each...

Disability Insurance Law: Long Term Disability, Short Term Disability, ERISA

Why You Need Disability Attorney, Edward Doskey Experience.  Ed Doskey can help you navigate the minefield of loopholes, exclusions and excuses used to deny valid claims for benefits. He is familiar with the fine print in disability insurance policies and the tactics the insurance companies use to deny valid claims. If your claim is denied Mr. Doskey has the experience needed to handle the appeal process, and, if necessary, to sue the insurance company to obtain benefits. Personal Attention. At Doskey Law, PLC, you speak to an attorney about your case, not a paralegal or assistant. No Attorney Fees on Future Monthly Payments. When Mr. Doskey wins your appeal and you are placed back on monthly benefits, the attorney fee is based on the past-due benefits only, unlike some firms that charge fees on future monthly benefits.  Long Term Disability Insurance (LTD) LTD insurance and SSDI are similar to each other in many ways. Both disability plans require claimants to make a written application for benefits and, if denied, the insurance company, like the Social Security Administration, issues a written reason for the denial and explains the claimant’s appeal options. While the claim evaluation processes may be similar, insurance policies or plans do not necessarily define “disability” the same way the Social Security Administration does. It is very important to refer to your insurance policy or plan to see just how disability is defined. Even more important, unlike the Social Security Administration, an LTD insurance carrier may be financially motivated to deny your claim. After all, the less benefits an insurance company pays out, the more money it can keep for itself. For this...