Long-Term Disability Insurance for Sales Managers
Sales managers handle immense responsibilities. As one of the key figures in your company, you know how challenging it can be to direct a sales team, meet targets, and drive your business’s revenue. If illness or injury leaves you unable to work, you could face financial devastation without adequate disability coverage. The seasoned disability attorneys at Capitan Law are here to help sales managers like you get the long-term disability benefits you deserve.
With extensive experience representing sales professionals nationwide, we understand your high-stress occupation and the nuances of disability insurance. We can handle complex policies, verify disabling conditions with irrefutable medical evidence, negotiate for maximum allowable benefits, and appeal wrongful denials through multiple levels of review. If you are filing an insurance claim or appealing a wrongful denial, don’t go up against the insurance companies alone. Call (267) 419-7888 or fill out our online form today for a free consultation to learn more about how we can help you.
Understanding Long-Term Disability Benefits
Long-term disability (LTD) insurance provides partial income replacement if injury, illness, or disability prevents a person from working. Most LTD policies for sales managers replace 60 percent or more of an annual salary, tax-free if applicants meet the definition of disability. Benefits continue until a person recovers or reaches retirement age.
LTD benefits differ from workers’ compensation in several important ways, including:
- LTD is private insurance that workers may have individually or through their employers, while workers’ comp is a state-run program employers pay for.
- LTD covers disabilities regardless of their origin, while workers’ comp covers only occupational injuries/illnesses.
- LTD provides ongoing wage replacement for total disability, while workers’ comp applies only for a specified period.
Having robust LTD coverage in addition to workers’ comp protects sales managers in case they suffer disabilities that permanently prevent working at any job.
What Are “Own Occupation” Disability Policies?
What Are “Own Occupation” Disability Policies?“Own occupation” disability policies provide broader coverage tailored specifically to professions such as sales manager. These policies pay benefits if an injured person cannot perform the typical daily duties of a sales manager, such as preparing sales projections, motivating teams, analyzing data, negotiating deals, handling clients, and so on. They apply even if the injured person could work a different desk job.
“Any occupation” policies only pay benefits if a person cannot work any job. Own occupation LTD coverage is critical for sales managers because it accounts for the specific demands of the profession. If illness or injury leaves someone unable to manage a sales team, but they could do clerical work, “own” occupation coverage will still pay benefits.
Common Reasons Sales Managers Need Disability Benefits
Sales managers face many health risks that can potentially progress into disabling conditions, including:
- Cardiovascular disease from high stress levels and frequent business travel, such as heart conditions like arrhythmia
- Musculoskeletal disorders such as arthritis, degenerative disc disease, carpal tunnel syndrome, and chronic pain from excessive computer work and sitting
- Mental illness, including anxiety, clinical depression, addiction, and other conditions related to the pressures and interpersonal demands of the job
- Neurocognitive impairments such as memory deficits and reduced mental acuity make overseeing complex sales initiatives impossible
Disability insurance provides vital income replacement when these or other health issues render sales managers unable to work.
Why Did the Insurer Deny My Claim?
When a disability or illness forces you to stop working, you have a right to expect your insurance policy to kick in to remove some of the significant stress you are facing. However, sales managers often need help to obtain the LTD benefits they deserve. Insurers will often assert the following in denying a claim:
- The condition is pre-existing and is therefore excluded from coverage
- The claimant could work in another lower-stress occupation
- The claimant’s employer could accommodate their limitations so they can still work as a sales manager
- There is insufficient objective medical evidence of the disabling conditions
- The deadline for filing the LTD claim or appeal has passed
When facing these denials, working with a skilled and knowledgeable long-term disability benefits attorney can make all the difference.
How a Long-Term Disability Attorney Can Help
An experienced disability lawyer can help sales managers overcome wrongful denials and get the maximum benefits they deserve. Essential services we provide include:
- Interpreting policies and regulations – We demystify confusing ERISA guidelines, insurance statutes, and policy provisions.
- Gathering medical evidence – We obtain detailed records, functional assessments, vocational analyses, and expert testimony from your doctors that prove your disability.
- Negotiating with insurers – We use time-tested strategies to negotiate the highest reasonable monthly benefits and get them paid promptly.
- Handling appeals – If your claim is denied, we have experience successfully handling appeals in federal court if needed.
- Taking legal action – If insurance companies continue unreasonable denials, we can take decisive legal action against them.
Whether you need help understanding your policy, filing a claim, or appealing a denial, a knowledgeable long-term disability attorney from Capitan Law can assist you.
Contact Our Team for a Free Consultation
The attorneys at Capitan Law are ideal for sales managers seeking experienced legal representation for long-term disability claims. At Capitan Law, we can strengthen your claim by offering the following:
- Extensive experience with own occupation coverage – We have an in-depth understanding of “own occupation” policies, which is critical for helping sales professionals understand their policies and rights.
- A proven track record – We have an excellent success rate winning LTD claims denials for sales managers nationwide.
- A client-focused approach – We take the time to understand your unique situation and provide customized guidance on your options.
- Free consultations – Consult with our attorneys at no cost to evaluate your claim and options.
With offices in Pennsylvania and Kentucky, we proudly offer services to workers in PA, KY, and New Jersey. Don’t go it alone against the insurance companies. Our team is ready to help you get the long-term disability benefits you deserve. Get a free consultation with Capitan Law today by calling (267) 419-7888 to discuss your claim and learn more about how we can help you.
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