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Long-Term Disability FAQ

Getting You Back On Your Feet

From Robert’s interview for the Masters of Social Security Disability series on

An unexpected traffic accident, a fall at work or exposure to a hazardous substance can leave you struggling with a long-term disability. At Ayers, Whitlow & Dressler in Charlotte, North Carolina, our attorneys will sit down with you to discuss your needs and show you options that may provide you with additional benefits.

Q. What Should I Do After Suffering A Long-Term Injury Or Illness?

The first step is to complete and submit all necessary disability claims forms. This often includes a statement from your physician describing the extent of your disability, an employer’s statement that details your earnings and job duties, and an authorization that allows for the viewing of your medical records.

Q. How Long Must I Be Injured Before Making A Claim?

Most long-term disability insurance policies dictate that you must wait a predetermined amount of time (often three months) before you become eligible for benefits. State and federal programs may extend that wait even longer. You might also have to use all available short-term disability benefits first.

Q. What If I Suffered My Injury While At Work?

If you suffered a permanent or extended disability while at work, you have certain rights that are protected under the Employee Income Security Act of 1974. Our lawyers will work with you to file the necessary paperwork for workers’ compensation and pursue other available disability options.

Q. Why Might My Claim Be Denied?

Denials are often made if you are unable to furnish adequate medical evidence about your condition or if you fail to meet certain disability criteria set forth by insurance companies or programs. Your claim may also be denied if you fail to fill out your application forms correctly or information is missing.

Q. What Should I Do If My Long-Term Disability Claim Is Denied?

If your request is denied, you have a certain amount of time to file an administrative appeal. The sooner we are made aware of the denial, the more time we have to evaluate why the application was rejected and gather critical evidence on your behalf.

Helping You Rebuild

Living with a disability is challenging, but there is help. To schedule a free initial consultation, contact Ayers, Whitlow & Dressler online or call us at 704-594-4317.


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