Top rated Disability lawyers in Ames, IA

Are you unsure what disability insurance is and how to get it?

Would you like to learn more about the different types of disability insurance and which, if any, you may qualify for?

Disability insurance is a type of income protection that provides you a portion of your income in case you are disabled due to illness or injury. Disability income can come from the federal or state level, and the private insurance market. There are generally three main types of disability insurance.

Short term and long term disability insurance is one form in which many are covered by a plan with their employer. The Employee Retirement Income Security Act of 1974 (ERISA) governs disability insurance plans offered and provided by employers. If you apply for benefits under these employer-sponsored plans and are denied coverage, ERISA provides for processes for potential resolution and remedies in federal court. Strict timelines and processes are involved when pursuing disability claims under ERISA, so it is important to understand these or seek help from experts or knowledgeable legal counsel that can assist you.

Social Security Disability Insurance (SSDI) is a federal program available in cases of individuals with severe, long term disabilities and there are specific requirements that must be met in order for individuals to received SSDI benefits.

Finally, there are private disability insurance policies individuals can purchase, and can be also used to supplement other forms of disability insurance.

Find a top rated attorney who has comprehensive knowledge of disability law in your state along with many years of experience and a great record.

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