Long Term Disability

Dealing with long term disability is financially and emotionally stressful.

Long Term Disability Clients are Stressed

Additionally, insurance companies often oversimply the LTD process to your detriment. That’s why it is important to have an experienced team on your side that knows what it takes to win your LTD claim to get the Long Term Disability benefits you deserve.


No Fees Until We Win Your Case.

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Ober Pekas Ronstadt Arizona Disability Attorneys


Don’t Give Up on the Long-Term Disability Benefits You Deserve

Long Term Disability Team - Ober Pekas Ronstadt

We Fight LTD Insurance Companies To Prevail For You

What does my long-term disability policy cover?

All policies are different, but most cover a variety of disabling illnesses. Sadly, many people mistakenly think that long-term disability only covers on the job injuries or they don’t realize they have a long-term disability policy through their employer or how it is different from government disability programs. While disabilities that occur at work may be covered, the majority of long-term disability claims are not work related. However, they affect the ability to work. Disabling conditions such as neurological disorders, degenerative diseases, cancer, chronic and mental illness may all be covered under your long-term disability insurance.

To fully understand your policy, contact us for a free review:


Disability insurance is to secure a percentage of your income if you become sick or injured and unable to work. This should be straightforward, but the reality is that insurance companies make it very difficult when you actually need it. Despite years of paying premiums or how deserving you may be, legitimate disability claims are often denied by insurance companies, leaving you without the steady income your long-term disability insurance policy should cover.

Don’t give up. Get the help you need from our experienced long-term disability attorneys to win the benefits you deserve.

Where are you in the process?

  • Haven’t filed an LTD insurance claim yet?
  • Filed your LTD claim and waiting for coverage?
  • You’ve gotten a denial on your LTD claim, and you need to appeal?
  • Been receiving benefits but got notice of upcoming LTD termination or review?
  • Exhausted LTD appeals with your insurance company and need to file a lawsuit?

Regardless of where you are in the process, it is in your best interest to consult with an experienced LTDI lawyer who can prepare you for the best possible outcome for your ERISA or Insurance Bad Faith claim.

Do I need an attorney?

You may be wondering whether you can afford an attorney to help with your long-term disability insurance claim. The reality is you can’t afford not to have a LTD lawyer on your side. Your insurance company has a large team of people, including their own lawyers, doing everything they can to avoid paying your disability benefits. The stakes are too high not to fight for the benefits you deserve.

Ober Pekas Ronstadt Arizona Disability Attorneys


Why choose Ober Pekas Ronstadt?

Consultations are free. No fees unless we win your case. For over 30 years, the ERISA and Insurance Bad Faith attorneys at Ober Pekas Ronstadt have helped clients win disability claims, appeals and lawsuits. Many disability policies are governed by ERISA or Employee Retirement Income Security Act of 1974. Others are governed by Insurance Bad Faith laws.

Our long-term disability lawyers and staff are highly experienced in both, and we know the insurance companies and their tactics well. We’ll fight for the disability benefits you deserve and treat you with kindness and respect throughout the process. Unlike other firms, our services don’t stop after winning the case. We also ensure your benefits are regularly and correctly paid and remain available to you as needed, which is particularly important as insurance companies will review long-term disability claims.

Free Consultation. No Fees Until We Win Benefits for You.

Call 602.277.1745