Private Long-Term Disability

New Jersey Private Long-Term Disability Attorney

The purpose of purchasing an individual disability insurance policy through a private insurance broker is to protect your ability to support yourself and your family if you ever become incapable of working due to a serious injury or disability. But what happens when the insurance company denies your claim for long-term disability income? How will you pay your bills and manage your long-term care needs?

With the help of an experienced New Jersey private long-term disability lawyer you can stand up to the insurance company and hold it to its policy obligations. At the Law Offices of Steven Gaechter, we help people obtain the financial resources they need and are entitled to under their private insurance plans. Contact our Hackensack disability benefits attorney online or call 201-546-5758 to schedule a free initial consultation to discuss your situation.

Understanding Private Long-Term Disability Insurance

Long-term disability insurance provides income benefits should you become disabled as the result of an injury or a long-term illness. Many people purchase these plans through their employers as an Employment Retirement Income Security Act (ERISA) plan. However, given the limited rights and heavy restrictions involved in filing ERISA claims, many people prefer the range of benefits offered through private insurance policies. Unfortunately, better benefits do not equal a better disability claims process.

Insurance providers are focused on the bottom line. This means that legitimate claims are often denied. Insurance companies may claim that a disability stems from a pre-existing condition, or retroactively rescind or cancel a policy due to a late or missed payment, or find another basis for denial. Whether you are preparing your disability insurance application or are facing a denied disability claim, our Bergen County law firm can help.

Experienced, Personalized Service

When you come to our law offices, you can count on receiving personal, attentive service from the attorney you hired — Steven Gaechter. Mr. Gaechter personally handles all aspects of every case our firm accepts and provides each client with the attentive service they deserve. With 30 years of experience, he has the credibility and determination to handle disability cases with the utmost professionalism and efficiency.

Contact Our Hackensack Private Disability Insurance Lawyer

Insurance companies may take advantage of those not represented by legal counsel. Get experienced advice before engaging with an insurance representative. Contact our New Jersey private long-term disability benefits attorney online or call 201-546-5758 to schedule a free initial consultation to discuss your case. Our law offices are conveniently located one block from the downtown Hackensack bus transfer and near several major highways, including the Turnpike and Interstate 80. We make home visits when necessary and are also available for evening appointments.

Se Habla Español / Nós Falamos o Português