What is LTD?

DISABILITY INSURANCE BENEFITS: Long-Term Disability benefits are designed to provide benefits in the event that your ability to work is interrupted. Most people have little idea whether their employer or an insurance company actually provides the disability benefits, or how difficult it will be to collect the benefits in the event they are needed. Typical disability insurance benefits plans cover 50-70 percent of your lost income minus other sources of income, with sixty to two thirds being about average. If you or a loved one has applied for disability insurance benefits and has been denied, it may be in your interest to consult an attorney. Coffman Law has considerable experience resolving denials of disability insurance benefit claims. Call us. We may be able to help you, even if the insurance company has said they will not pay.


ERISA: Disability insurance benefits come in two main flavors: Those governed by the Employee Retirement Income Security Act of 1974 ("ERISA"), and those governed by state law. Under most circumstances, state law provides a better forum for resolution of an employee benefit dispute, and a wider variety of available remedies. That is certainly the case in Florida, where The Law Office of William S. Coffman, Jr. Is located. ERISA governs most employee benefit plans.

COFFMAN LAW
15436 N. Florida Avenue
Suite 103
Tampa, FL 33613
Phone: 813-935-7030
Fax: 813-935-7277
 
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