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A NJ Disability Lawyer's Commentary- When To File for Disability Benefits

When should you file your disability claim? This appears to be a simple question, but there is no universal answer for all of our  new jersey disability clients. For some people, working is not just a livelihood, its a way of life. It is what keeps them going each day. To them, stopping work is a battle, it takes the wind out of their sails.  Some clients call me after we file the disability claim, explaining that they feel lost, with no direction each day.  Their lives were so regulated before, and now there is so much time to fill.  For others, the day when the diagnosis is reached is a milestone for them, because they now know that the treatment to encounter is going to be difficult to endure and working is out of the question.

We represent disabled people who each have to answer this important question, and we try to provide them with the important guidance and counsel. We explain what to expect from the insurance filing process.  Once you’ve made that decision you need to contact the insurance company because most policies require notice within 30 or 60 days that you are unable to work. Do not wait six months, eight months, a year and then file as some policies contain firm limits, deadlines which will prevent you from obtaining the benefits if you wait too long. The insurance company is entitled to investigate your claim to determine whether you are entitled to benefits.  If you don’t give them fair notice of your disability, you have handicapped them to investigate your case. So you need to file for disability when you can no longer work. Be sure your doctor, who is going to support your case will complete forms on your behalf. We can help you to understand the process for filing for disability benefits and assist you with your claim which, in our experience greatly increases the chances that your claim will be approved. .

Client Reviews
I was an Engineer in a Research and Development division of a major corporation, putting in longer hours with the same workload. An unrelated episode landed me in the hospital, where I was DXd with Primary Progressive Multiple Sclerosis, which explained my decline at work. I then learned that I had an employer policy that protected me from this type of a disability. Charlie
I would like to re-acknowledge what a difference your work has made in my life. When forced to retire 5 years ago, you dedication to helping me enroll into my disability policy has made all of the world of difference. George
I cannot thank you enough for successfully appealing my disability benefits. My special thanks also to Eileen for all of their assistance, support and expertise. Your legal expertise of disability benefit entitlement was evidenced by your comprehensive and knowledgeable litigation of my appeal. I read your appeal a number of times and each time I was impressed with your personal touch and special attention to the details of my case. I highly recommend you to colleagues, friends, and family who are in need of obtaining and keeping their disability benefits. I look forward to continued working with you over the next few years in maintaining my disability benefits. MaryJo