Understanding Your Rights Under Long-Term Disability Policies in New Jersey

When you become seriously ill or injured and can no longer work, long-term disability (LTD) benefits can offer critical financial support. But navigating LTD policies, especially when claims are denied or delayed, can be overwhelming. At Green Savits, our experienced New Jersey employment law attorneys are here to help you understand your rights and protect your livelihood.

What Is Long-Term Disability?

Long-term disability insurance provides income replacement - typically a percentage of your salary - if you’re unable to work for an extended period due to a qualifying medical condition. This coverage is often provided through an employer’s benefits package or purchased privately.

Unfortunately, securing LTD benefits is not always straightforward. Insurance companies may challenge your eligibility, delay payments, or deny claims outright. That’s where legal guidance can make all the difference.

Common Challenges with LTD Claims

LTD policies are governed by complex federal and state laws, including the Employee Retirement Income Security Act (ERISA).

Policyholders may face challenges such as:

• Unfair Denial of Benefits – Insurance providers often use narrow interpretations of “disability” to deny valid claims.
• Delays in Processing – Even after submitting all required medical documentation, some insurers stall or fail to communicate clearly.
• Pressure to Return to Work – Claimants may be pressured to return to work prematurely, even if medically unfit.
• Surveillance and Discrediting Tactics – Insurers may use surveillance or biased evaluations to undermine your claim.

At Green Savits, we help clients across New Jersey push back against these tactics and fight for the benefits they’re entitled to.

How Our New Jersey Employment Law Attorneys Can Help

Our team understands both the legal intricacies of LTD policies and the emotional toll a disability can take.

We work with clients to:

• Review and interpret LTD policy terms
• Prepare and file strong initial claims
• Appeal wrongful denials or terminations of benefits
• Represent clients in ERISA litigation if necessary

Whether you are filing for long-term disability for the first time or need to appeal a denial, we’ll stand by you every step of the way.

Don’t Face the Process Alone

Insurance companies have teams of lawyers protecting their interests - you deserve the same. If your long-term disability benefits have been denied, delayed, or terminated, contact Green Savits today. Our trusted New Jersey employment law attorneys are ready to advocate for your rights.