WE DO NOT HANDLE SOCIAL SECURITY DISABILITY (SSDI) CLAIMS

Need a Long Term Disability Lawyer in Colorado?

Colorado long-term disability claim

If your LTD claim has been denied or delayed, your financial future may be at risk. Insurance companies often use strict rules to limit benefits. At McDermott Law, LLC, we help you navigate complex policies, build strong evidence, and fight for the benefits you deserve.

Whether filing or appealing, you don’t have to face the process alone. Call today for a free Review of Denied Claims.

Put Our Knowledge And Experience On Your Side

Long-term disability claims are complex and often involve strict policy definitions, evolving eligibility standards, and ongoing insurer scrutiny. At McDermott Law, LLC, we focus on building strong LTD claims supported by detailed medical, vocational, and occupational evidence. We understand how insurance companies evaluate “own occupation” and “any occupation” claims—and how they attempt to limit or terminate benefits over time.

Whether you are filing an initial claim, appealing a denial, or protecting ongoing payments, we take a strategic approach to every stage of the process. Our team works to identify weaknesses in the insurer’s decision and strengthen your claim with clear, compelling documentation. With your financial future at stake, having experienced legal guidance can make a meaningful difference in securing and maintaining your long-term disability benefits.

How Our Attorneys Can Help

If you have been denied benefits that should have been protected by state law, ERISA or the Colorado PERA disability program, our lawyers can help you recover the financial support you need and deserve. We can:

  • Thoroughly review your case
  • Identify ways to overcome the denial
  • Prove your eligibility and entitlement to benefits
  • Stand up for your rights at every stage of the appeals process
  • Negotiate and/or litigate your insurance dispute claim

With us on your side, you can rest assured that you are getting the best possible representation for your claim and that you have the best chances of resolving your case as beneficially and efficiently as possible.

CLIENT REVIEWS

Our Attorneys and Staff

The Team of Attorneys and Staff at McDermott Law is dedicated to protecting your insurance benefits and defending your rights. We are experienced and well-equipped to represent individuals in a wide variety of insurance matters, including insurance claims governed by the Employee Retirement Income Security Act (ERISA) and claims under the Colorado Public Employees Retirement Association (PERA). We offer compassionate guidance through the insurance claim process and litigation when it becomes necessary.

Frequently Asked Questions

1. When do long-term disability benefits start?
LTD benefits usually begin after a waiting period, often 3–6 months after you stop working.
2. How much do LTD benefits pay?
Most plans pay about 50% to 67% of your pre-disability income, subject to a monthly cap.
3. What is “own occupation” vs “any occupation”?
Initially, you must show you can’t perform your own job. Later, you must prove you can’t perform any job you’re qualified for.
4. Can LTD benefits be reduced?
Yes. Benefits may be reduced if you receive Social Security Disability or other income sources.
5. How long do LTD benefits last?
Benefits often continue until age 65 or retirement age, depending on your policy.

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4600 S Ulster St Suite 800 Denver, CO 80237

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