Many individuals residing in Connecticut grapple with disabilities. According to data from the U.S. Census Bureau spanning 2016 to 2020, the disability rate in the state stood at 7.6 percent. Additionally, as per the CDC, the average healthcare expenditure for disabilities in 2017 amounted to $21,927 per individual. For those unable to work due to their conditions, this financial burden is considerable.

Long-term disability (LTD) benefits offer a crucial safety net, safeguarding one's income and enabling a focus on health management. However, obtaining approval for an LTD claim can be a daunting task. The intricacies of long-term disability policies, particularly concerning uncommon ailments such as Huntington’s disease, can befuddle claimants with their myriad limitations and exclusions.

Seeking assistance from a qualified long-term disability attorney at Greene & Marusak, serving Connecticut, is invaluable. Our team meticulously examines your policy, identifies your specific disability definition, and determines the most effective evidence to bolster your claim.

Group policies governed by the Employee Retirement Income Security Act (ERISA) pose additional challenges. This intricate federal legislation imposes strict deadlines and regulations that claimants must adhere to. For instance, within the ERISA framework, the appeal stage represents the final opportunity for claimants to submit new or updated evidence. G&M diligently tracks all deadlines and ensures timely submission of requested documents to the insurance company.