Call Beedem Law – Minneapolis Long-Term Disability Attorneys Who Fight for You
“As an attorney who has worked on cases against Tom and Alesia, when I needed to file for disability myself, I called them for help.” —N.B.
If your long-term disability benefits have been denied or terminated, you are likely feeling overwhelmed and unsure where to turn. That is completely understandable. The insurance company has a team of doctors, vocational experts, and lawyers working against you – you deserve an experienced team working for you. Beedem Law has spent decades representing disabled Minnesotans whose benefits were wrongfully denied or cut off, and the results speak for themselves. In fact, one attorney who had worked against Tom and Alesia on cases came to them when she needed to file for disability herself.
At Beedem Law, long-term disability is not just one of many practice areas – it is a core focus. That means your case gets deep knowledge, careful attention, and a strategy built around your specific situation. Whether your claim is governed by ERISA or a private policy, the team at Beedem Law knows how to navigate the system and fight for the benefits you are owed.
Time matters in LTD cases. Deadlines are strict and missing them can permanently bar you from filing a claim. The sooner you call, the more options you have. To schedule your free consultation, call Beedem Law at 612-305-1300 today.
What Is Long-Term Disability Insurance?
Long-term disability insurance replaces a portion of your income when an injury or illness prevents you from working – either entirely or on a part-time basis. Most policies pay between 60 and 70 percent of your pre-disability earnings. For example, if you earned $2,000 per month and your policy covers 60 percent, you would receive $1,200 per month, less any other income you receive. Premiums are paid either by you, your employer, or both, and coverage terms vary significantly from one plan to the next. It is important to understand exactly what your policy requires before filing a claim.
What Is the Difference Between LTD Insurance and Social Security Disability?
These are two separate things with different rules, processes, and outcomes. Long-term disability insurance is a private or employer-sponsored benefit governed either by ERISA or state law. Social Security Disability is a federal government program. Beedem Law handles LTD insurance claims – including ERISA-governed plans, government employee plans, and individual private policies. If you need help with a Social Security Disability claim, Beedem Law can refer you to an attorney who handles those cases.
What Is ERISA and Does It Apply to My Case?
ERISA, the Employee Retirement Income Security Act of 1974, is a federal law that governs most employer-sponsored disability plans in the private sector. If your LTD benefits come through your job, your claim is most likely governed by ERISA. This matters significantly because ERISA sets strict procedural rules, tight appeal deadlines, and limits on what evidence can be introduced in court. Government employees and those with individually purchased policies are generally not covered by ERISA. Understanding which law governs your claim is the critical first step, and it is exactly where Beedem Law starts.
My LTD Benefits Were Terminated But I Am Still Disabled – What Do I Do?
Do not wait. The first thing to understand is which law governs your plan – ERISA or another framework – because the rules and deadlines are different. In most cases, you have the right to appeal a denial or termination of benefits, but you must act within a specific window. Missing that deadline can permanently bar you from pursuing your claim. Beedem Law will request and review your entire file from the insurance company, assess where you are in the process, and either build your appeal with the necessary medical and vocational evidence or file your lawsuit in the appropriate court, Federal or State, depending on your situation.
Should I Appeal a Denied LTD Claim?
Yes – and you should do it quickly. If your claim has been denied or your benefits have been cut off, you typically have the right to appeal. But the deadlines are strict and vary by plan. In many ERISA cases, if you miss the appeal deadline, you lose your right to challenge the decision entirely. Beedem Law moves fast to protect your rights, gather the supporting evidence you need, and build the strongest possible appeal on your behalf.
How Long Do I Have to Wait Before Benefits Begin?
LTD policies require that you be disabled for a defined period of time before benefits kick in. This is called the elimination period, and it typically ranges from 30 days to a full year depending on your policy. If you have short-term disability coverage, your STD benefits may transition into LTD coverage – but receiving STD benefits does not automatically guarantee LTD benefits, as the two policies have different terms and requirements. Your doctor will need to provide documentation of your condition, including restrictions and limitations that prevent you from returning to work.
Can I Lose My Benefits After They Start?
Many LTD policies change their definition of disability after 24 months. In the first two years, you are typically considered disabled if you cannot perform the duties of your own occupation. After that, the standard often shifts – you may be required to show that you are unable to perform any occupation you are reasonably qualified to perform. This change in definition is one of the most common reasons benefits are terminated even for people who are still genuinely unable to work. Knowing what your policy says and when those definitions change is critical to protecting your benefits long term.
What Happens When My LTD Benefits Period Ends?
If you are receiving LTD benefits, most policies require you to apply for Social Security Disability Insurance (SSDI). If your LTD benefits stop, SSDI may still continue. Other options include Supplemental Security Income, Minnesota Paid Family and Medical Leave or other programs. It is important to be aware that if you are receiving both LTD and SSDI or other income defined in the applicable policy, your LTD benefits may be reduced by the amount you receive from Social Security or another source. Planning ahead and understanding how these programs interact can make a significant difference in your financial stability. Beedem Law can help you understand your options and make sure you are not leaving benefits on the table.
Why Choose Beedem Law for Your LTD Claim?
Beedem Law is not a general practice firm that handles disability cases on the side. Long-term disability law is what the attorneys at Beedem Law have built their practice around, and their reputation speaks for itself. The firm has represented clients across Minnesota in ERISA cases, government employee plans, and private disability policies – and they know how insurance companies operate and how to push back effectively. Clients choose Beedem Law because they listen, they fight, and they do not get paid unless they win.
How Soon Should I Call a Long-Term Disability Attorney?
As soon as possible. Deadlines in LTD cases are not flexible, and the earlier you get an attorney involved, the more options you have. Evidence can be preserved, appeals can be filed on time, and your case can be built from the ground up rather than assembled in a rush. If your benefits have been denied, terminated, or you have received a letter saying they will be terminated soon, do not wait.
Ready to Fight for Your Long-Term Disability Benefits?
A denied or terminated LTD claim does not have to be the end of the road. With the right legal team, you can challenge the insurance company’s decision and fight for the benefits you are owed. Beedem Law has spent decades standing up for disabled Minnesotans, and they are ready to stand up for you. From your first call, you will know you have a team that listens, understands what you are going through, and knows exactly how to fight back.
You are not alone in this. Call Beedem Law at 612-305-1300 for a free consultation. The sooner you act, the stronger your case can be.