If you cannot work because of a physical or mental injury or illness, you may be eligible for long-term disability benefits. Your entitlement to such disability insurance coverage might be through a plan provided by your employer, the existence of which you might not be aware. Or you might be entitled to benefit payments through an insurance policy you purchased on your own, perhaps years ago. Either way, these long-term (or short-term) insurance benefits can pay you a substantial percentage of your previous salary while you remain unable to work because of your sickness or injury. The benefit payments may provide months or even years of crucial income replacement for you and your family while you are sick or injured.

The Law Office of Ian O. Smith can help you in several ways if you want to secure the disability insurance benefits to which you are entitled. We can help you . . .

• Navigate through the benefit application process by preparing an application and related paperwork, or by reviewing an application you have completed but have not yet submitted to the insurance company or your employer.

• If you have already been denied disability benefits after your initial claim, or have had your benefits terminated after a period of collection, and are faced with appealing the insurance company’s (or its third-party administrator’s) decision within a set timeframe.

• If you already have appealed a benefit denial or termination, and now must file a law suit in state or federal court to attempt to obtain your benefits.

Ian Smith has won or settled clients’ disability benefit claims against numerous large disability insurers. The disabilities at the hearts of the cases in which Mr. Smith has represented individuals have included, among others, cancer, diabetes-related fatigue, back injuries, vision impairments, Multiple Chemical Sensitivity syndrome, diabetic neuropathy, Chiari malformation, cardiac conditions, carpal tunnel syndrome, fibromyalgia, bowel and bladder incontinence, dementia, anxiety, depression, and post-traumatic stress disorder.

If you think The Law Office of Ian O. Smith, LLC might be able to help you, call (860) 896-9278 to speak with Ian. You will not be charged for an initial consultation to discuss the facts of your disability claim.