twitter facebook linkedin CALL FOR A FREE CASE REVIEW 1-855-847-8969 Update: Our Response to COVID-19 search Long Term Disability FAQs What if I can’t work, but SSDI or worker’s compensation does not provide enough income to provide for my family and myself? A long term disability policy can help make up the difference in income. No long term disability policy will replace 100% of your income (this might remove an incentive to return to work), but LTD can supplement any government benefits. How much of my income can a LTD policy replace? Many policies from employers replace up to 60% of lost income (after SSD or Workers Comp benefits). Individual policies can cover up to 70 or 80% of your income. Policies from employers may have a benefit cap. So, even if you are covered at work, you may wish to supplement your work policy with individual coverage to protect yourself and your family. If you are self-employed, you should definitely have LTD coverage in case you are permanently unable to work. How can I find out how much LTD coverage I need? SmartMoney.com has an online calculator that can help you determine how much coverage you need and what it might cost. This link will take you to their page. While I’m waiting for a decision from Social Security, is there anything I can do to help with my bills? You may be able to get a loan or work with your lenders to suspend payments for a period of time. If you’re facing some extended time out of work and you’re concerned about your bills, contact each creditor individually and explain your circumstances. Get Help Today Contact our team of experienced legal professionals by filling out the form below. Your Name (required) Your Email (required) Your Message WHAT PEOPLE ARE SAYING "This settlement will allow me to open my own business to support my family since I will not physically be able to continue my career as a roofer. And the large payment I receive when I reach 60 will fund my retirement." MICHAEL BUFFALO, NY LOOKING FOR ANSWERS? Schedule a Free Case Review HELPING OTHERS SINCE 1980 As a client, you can be assured that your case will receive special care and consideration. We look forward to serving you and offering you the best solutions available. You don’t just need an attorney, you need a partner. We have years of experience in the courtroom that we can put to work for you. BUFFALO OFFICE Liberty Building 424 Main Street, Suite 615 Buffalo, New York 14202 1-855-847-8969 Directions ROCHESTER OFFICE The Design Center 3445 Winton Place, Suite 214 Henrietta, New York 14623 1-855-847-8969 Directions Attorney Advertisement. This site and any information contained herein are intended for information purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter. Some matters may be performed in conjunction with or apart from those legal professionals at Jeffrey Freedman Attorneys, PLLC. Some images shown are stock photographs. Prior results do not guarantee a similar outcome. © 2021 Jeffrey Freedman Attorneys PLLC. All Rights Reserved. twitter facebook linkedin