How We Help
Disability Insurance
When illness or injury interrupts your income, a difficult insurance claim can add to the strain.
Stansberry Kinsley’s disability insurance lawyers help people across Alabama with short-term and long-term benefits, including claims that have been denied or payments that have stopped.
Help understanding your benefits
Short-term disability benefits can help with income during a shorter absence from work. Long-term coverage may provide support when the inability to work continues. Each benefit has its own requirements, starting date and payment period.
You may have coverage through work or a policy you bought yourself. The documents explain what it pays, how it defines disability and what information is needed for a claim. We can explain those terms in the context of your health and your work.
Long-Term Disability
Start with the policy or plan, the benefit you applied for and the information requested about your ability to work.
Short-Term Disability
For a shorter benefit period, identify your policy or plan and any application or review correspondence.
Denied or Ended Benefits
If benefits were denied or ended, begin with the written decision and the policy or plan that describes the claim process.
A useful distinction
Which benefit source applies?
This page concerns employer or privately purchased disability coverage.
Social Security Disability is a separate path. If your paperwork names the Social Security Administration, use that page to identify your current stage.
Applying for benefits
A claim needs to connect your health with the work you can no longer do. Medical records, work duties and the insurer’s forms each tell part of that story. We can review what has been submitted, what the insurer is asking for and where more explanation may help.
Your next step
1
Start with your policy
Identify whether benefits come through your employer or a policy you bought.
2
Keep the written information
Bring the policy or plan, requests, decisions and correspondence you have received.
3
Discuss your next step
Tell the firm whether you are applying, responding to a review, or dealing with benefits denied or ended.
What will it cost?
A Free Case Review costs nothing. Many disability insurance cases use a contingency fee, which means the attorney’s fee is a percentage of any recovery. Before you decide whether to hire us, we’ll explain the proposed fee, any payment due upfront and how case expenses would be handled. Depending on the agreement, you may be responsible for some expenses even if no attorney’s fee is owed.
Talk with us
Tell us about the benefits you expected and what has happened with the claim. Call 844-327-5529.
When a claim is denied or payments stop
The decision letter should be read alongside the policy and the evidence. We can explain the stated reasons, review the available appeal process and discuss what needs to be addressed.
Many employer disability plans are governed by a federal law called ERISA. Individual policies and some employer arrangements follow different rules. That difference matters when identifying your appeal rights and deadlines.
Related reading
Compare disability benefit sources, or start a conversation with the firm.
Compare benefit sources
Your next step
Talk with us
Tell us about the benefits you expected and what has happened with the claim. Request a Free Case Review or call 844-327-5529.
You can start with the questions you have.