A History Of Success In ERISA Claims Matters
Attorney Reagan Toledano

Understanding Short-Term Versus Long-Term ERISA Disability With A New Orleans Attorney

The complexities of disability benefits under the Employee Retirement Income Security Act (ERISA) can be overwhelming. Working with an experienced ERISA disability attorney can help you make sense of your options and advocate for your rights if your claim is denied.

Attorney Reagan Toledano, founder of Toledano Disability Law in New Orleans, Louisiana, has over 20 years of experience with clients seeking disability benefits. Although based in New Orleans, attorney Toledano represents people across the United States, helping ensure they receive the representation they deserve. Whether your claim involves short-term or long-term disability, his deep understanding of ERISA law allows him to guide you through the process, from initial application to appeal, if necessary.

What Is Short-Term Disability Under ERISA?

Short-term disability (STD) benefits provide temporary financial relief for individuals unable to work due to illness, injury or other qualifying conditions. STD benefits cover a period of three to six months and are provided as part of a group plan, but the claims process can be complex.

Examples of short-term disabilities include a broken bone, pregnancy complications or recovery from surgery. Denials are common, so working with an experienced lawyer can help ensure all documentation is properly submitted and your rights are upheld.

What Is Long-Term Disability?

Long-term disability (LTD) benefits provide extended support for individuals whose impairments prevent them from returning to work for a prolonged period. Coverage begins after short-term benefits expire and may continue for several years or even until retirement, depending on your policy.

Examples of long-term disabilities include cancer treatments, chronic illnesses, such as multiple sclerosis, or severe mental health conditions. LTD claims frequently face pushback from insurance companies seeking to minimize payouts. An ERISA attorney can challenge denied claims, gather necessary evidence and negotiate with insurers on your behalf.

Call Today

Experience and advocacy matter when dealing with an ERISA disability claim in New Orleans. For over two decades, Toledano Disability Law has been helping individuals secure the benefits they deserve.

Call 877-281-4789 or contact the firm online today for a free case evaluation.