Long-Term Disability Lawyer in Colorado Springs
Get Support from a Long Term Disability Lawyer in Colorado Springs, CO
Serving Colorado Springs and All of Colorado
If you’re facing the challenges of a long-term disability, getting fair treatment from insurance companies shouldn’t add to your stress. At Shakeshaft Law Firm, our mission is to help clients throughout Colorado Springs and the state secure the disability benefits they need—whether it’s your first claim, a tough appeal, or a full lawsuit against the insurer. We combine legal expertise with personal service and in-depth knowledge of Colorado’s unique disability laws and insurance landscape.
Why Choose Shakeshaft Law Firm for Your Long Term Disability Claim
Choosing the right legal team can make all the difference in your claim outcome. At our Colorado long term disability law firm, you’ll receive support from attorneys who live and work in the Colorado Springs community and have years of experience taking on both local and national insurers.
- Local, personal guidance—never a one-size-fits-all approach
- In-depth knowledge of Colorado law, the appeals process, and local insurer tactics
- Successful track record in long term disability claims, appeals, and lawsuits
- Compassionate representation: you’re always treated as a person, not just a case number
We help you understand your policy, build a strong case, and take decisive action to get you the benefits you’re entitled to.
Understanding Long Term Disability in Colorado
Long term disability insurance, whether through your employer or a private policy, can replace a significant portion of your income when an illness or injury leaves you unable to work. Colorado policies are often governed by federal ERISA law, but public employees may have coverage through Colorado PERA or similar programs.
Every plan is different, and Colorado residents often face confusing requirements and deadlines. We’ll help you make sense of your coverage, what “disability” means under your policy, and how to meet strict medical evidence standards.
Types of Long Term Disability Coverage
- Employer-provided group long term disability insurance (typically ERISA-governed)
- Individual private LTD policies
- Public employee disability benefits (such as Colorado PERA)
Each coverage type has its own set of rules, documentation standards, and appeal processes. We review your specific plan to ensure you understand your rights.
If you don’t see your condition listed, reach out. We evaluate every claim individually and understand that each disability presents unique challenges.
The Colorado Long Term Disability Claims Process
The claims process for long term disability can be confusing and time-consuming. Insurance companies often require extensive paperwork and strict medical documentation before approving your benefits.
Step 1: Filing Your Claim
You’ll need to complete detailed application forms, collect medical records, and often submit employer or vocational statements showing how your condition affects your ability to work.
Step 2: Insurer Review
The insurance company reviews your claim, may request additional information, or schedule independent medical exams. Decisions typically arrive within 30-45 days, but delays are common.
Step 3: Handling a Denial
Most long term disability claims are denied at least once. If you get a denial letter, you have a limited time—often just 180 days for ERISA plans—to appeal. Gathering new evidence and legal arguments is critical at this stage.
Our attorneys guide you through each step, making sure you avoid procedural mistakes and don’t miss important deadlines.
Why Long Term Disability Claims Get Denied in Colorado
Insurers are known for finding reasons to deny or delay legitimate claims. Some of the most common reasons for denial include:
- Insufficient or incomplete medical records
- Disputes about whether your condition truly prevents work
- Missed deadlines or technical errors
- Policy language disputes (such as "own occupation" vs "any occupation")
We know how to fight back against insurer tactics and can build a comprehensive, evidence-backed case for your benefits.
What to Expect in a Long Term Disability Lawsuit
If appeals are exhausted or your insurer acts in bad faith, pursuing a lawsuit may be necessary. Our firm is experienced in federal ERISA litigation as well as state law actions.
- We determine whether your case should be filed under ERISA or Colorado law
- Prepare and file legal documents with the appropriate court
- Work with local vocational and medical experts familiar with the Colorado Springs job market
- Negotiate settlements or, if needed, represent you at trial
You’ll have a strong advocate every step of the way.
Coordinating LTD Claims with SSDI and Other Benefits
Many Colorado residents qualify for both Social Security Disability Insurance (SSDI) and long term disability benefits. Navigating the interaction between the two can be complex, but our team will help you:
- Understand how SSDI approval impacts your LTD payments (most policies offset for SSDI)
- File or appeal SSDI applications
- Coordinate benefits with Colorado PERA, VA disability, and other programs to maximize compensation
Mental Health, Chronic Pain, and “Invisible” Disabilities
Insurance companies often challenge claims for conditions like depression, anxiety, migraines, fibromyalgia, and chronic pain. These “invisible” disabilities are just as real as physical injuries and deserve fair evaluation.
We help you:
- Gather strong documentation from your medical providers
- Prepare detailed functional and vocational reports
- Present your claim effectively, even for conditions that don’t show up on x-rays or scans
Partial Disability and Returning to Work
Some policies allow you to receive partial benefits if you’re able to return to work part-time. We advise you on:
- How to properly report income and changes in your work status
- What evidence is needed to maintain partial benefits
- Protecting your rights if your condition worsens again
Frequently Asked Questions
How do long term disability claims work in Colorado Springs?
You must file claim forms and detailed medical evidence with your insurer. Most claims are reviewed in 30-45 days. If denied, strict appeal deadlines apply.
What qualifies for a long term disability lawsuit in Colorado?
Lawsuits are usually filed after all insurer appeals are exhausted or when your rights under ERISA or state law are violated. Our lawyers will review your situation and explain your legal options.
How do I choose the right Colorado long term disability law firm?
Look for attorneys with deep experience in LTD claims, local knowledge of Colorado Springs, and a proven record of winning appeals and lawsuits.
Can I receive both SSDI and long term disability benefits in Colorado?
Yes, but most LTD insurers offset payments if you receive SSDI. We’ll help coordinate your claims for the best possible outcome.
How long does a long term disability denial appeal take in Colorado?
Appeals must typically be filed within 180 days. Insurers usually decide within 30-45 days, but more complex cases may take longer.
Common Conditions That May Qualify for Long Term Disability
We've worked with individuals across Colorado Springs, CO who suffer from:
- Musculoskeletal disorders (like severe back injuries or joint pain)
- Neurological disorders (such as MS, epilepsy, or Parkinson's)
- Cancer and recovery-related impairments
- Cardiovascular disease
- Chronic migraines
- Debilitating depression or anxiety
No matter your condition, we treat each case with the care and time it deserves. If your condition limits your ability to work full-time, your long-term disability claim matters.
Let's Talk—We're Ready When You Are
If you're wondering whether your long term disability claim qualifies, or if you're struggling to get it approved, reach out to Shakeshaft Law Firm.
We're located in Colorado Springs, CO and we understand the challenges our community faces. Whether you're navigating a new diagnosis, facing a denied claim, or just need straight answers, we're here to help.
Call us today or send a message using our contact form. We'll review your situation and help you decide what to do next. At Shakeshaft Law Firm, we believe that no one in Colorado Springs, CO should have to fight for their disability benefits alone.
