Why Choose Attorney Michael D. Breaux For Help With Understanding Disability Benefits?

Attorney Michael D. Breaux treats each one of his clients as he would his family. He offers compassion, active listening and careful legal advocacy. His clients are vulnerable and rely on him for the help they need to get on with their lives. Mr. Breaux is honest. He tells his clients about the good and bad sides of their legal issue. He will do the same for you.

If you have recently left work because a physical or mental disability prevents your ability to work, you may be too young to collect retirement benefits or have too many resources to qualify for other benefits under the Social Security Administration. What then?

If you are facing denial of financial assistance from SSA programs, Mr. Breaux can help you explore other options available through short-term and long-term disability insurance that your workplace may have in place or that you thought ahead to purchase.

Is There A Difference Between Short-Term And Long-Term Disability Benefits?

Yes, there is a difference between short-term and long-term disability insurance. While it seems obvious that one type of insurance benefit is for the short term, and the other for a longer period, but there are other nuanced differences, such as:

  • Short-term disability benefits: Generally, short-term benefits such as up to 70% of your wages are available within about two weeks of your notice to the insurance provider of your disability or incapacity. Wage replacement may last from three to six months. Depending on the nature of the insurance, short term benefits may cover your time off of work due to pregnancy, car accident injuries, or other sudden accidents or illnesses that keep you from returning to work
  • Long-term disability benefits: Generally, LTD provides 40% to 70% wage replacement for longer terms, such as for periods of five, 10 or 20 years, and sometimes up until the time when you are able to collect Social Security Administration (SSA) retirement benefits. Depending on your insurance, there is usually a 90-day delay for receiving benefits called an “elimination period,” before you will receive wage replacement for long-term disabilities such as traumatic brain injuries, back and neck trauma or illnesses such as cancer.

Mr. Breaux will help you understand your benefits in your time of need. He will also protect your rights if your insurance company tries to minimize your benefits.

Caring For Disabled Workers For More Than Two Decades

At The Law Offices of M. D. Breaux, LLC, Mr. Breaux cares about helping his clients with disabilities obtain the financial benefits they need. For a free consultation, call Mr. Breaux in Gonzales at 225-960-6739. You may also contact him through this secure website to make arrangements to speak with an experienced and compassionate attorney.