Long Term Disability

At the Law Office of Annette Rutkowski LLC, I help disabled workers obtain long-term disability benefits when those benefits have been unfairly denied by the insurance company.

Whether you need to apply for long-term disability (LTD) benefits or your LTD claim has been denied, I offer a free initial consultation to discuss your case. If you choose to hire me, I charge on the contingency fee basis. This means that if I don't obtain disability benefits for you, I don't charge any fees. With offices in Indianapolis and Lafayette, I represent clients throughout central, western and southern Indiana.

LTD and Social Security Disability. To continue to receive long-term disability benefits after 12 months, you may need to apply for Social Security Disability Income. As your lawyer, I can assist you with your Social Security Disability claim.

What Disability Benefits Are Available?

Private and employer-sponsored long-term disability plans typically provide a monthly income that is a percentage of your wages at the time you became disabled. If your disability will last longer than 12 months, you may also be eligible for Social Security Disability Income. Most LTD insurance companies also require you to apply for Social Security Disability in order to continue receiving LTD benefits. Most LTD insurance companies also reduce LTD payments dollar for dollar for any disability income you receive from Social Security. If the Social Security Administration denies your claim, your LTD benefits may stop.

As an attorney who practices in both long-term disability and Social Security Disability law, I can help you coordinate your claims so you receive the maximum benefits you deserve from both programs.

For More Information

To schedule a consultation with me, Indianapolis long-term disability attorney Annette Rutkowski, call 317-663-9781 in Indianapolis or 765-588-3593 in Lafayette, or complete our simple contact form.