Long-Term Disability (LTD)
If you have Long-Term Disability (LTD) insurance, then you could be eligible to receive a majority of your salary if you become unable to work. If an employee is hurt while they aren’t at work, worker’s compensation will not cover their injury or illness. This is where LTD insurance kicks in, typically after a short term disability policy runs out. This type of insurance can cover 50 to 80 percent of pre-disability salary if an individual cannot work because of an injury or illness. These benefits usually last until full retirement age, or for the specified number of years as stated in the policy.
Long-term disability insurance is typically provided by employers, although plans can also be purchased individually. There are a variety of ways that the long-term disability plans can be paid for, depending on how the policy is set up. Payment is either fully paid by the employer, the employee or it is a shared cost plan.
What You Need for Long-Term Disability Benefits
In order to have a successful case, you must prove that you qualify under your insurance policy’s definition of disabled. It is always important to consult a copy of your LTD contract. If you do not have one, ask your HR representative or call your LTD insurance company. You will want to have a conversation with your treating doctor as the LTD insurance company is likely going to want an opinion from that doctor. Acquiring your medical records relating to your disability is also an essential step. These records include clinic notes, lab results, x-rays, MRIs, exam and surgical reports. It is also critical that you continue treatment for your disability, even while your claim is pending and after you receive benefits. If you stop your treatment, your LTD could be stopped.
To be eligible for LTD, there are requirements that individuals have to meet. These include, but certainly are not limited to:
1. Paying premiums if it is part of your insurance policy;
2. Working long enough to become an “insured” employee;
3. A waiting period often called the “elimination” period (usually three to six months) between when the disability started and when your LTD benefits can start;
4. Checking that your condition is not excluded by the LTD insurance contact.
Of course, every contract is different. The best idea is to give us a call and to talk to one of our experienced lawyers about the unique facts in your situation.
Long-term disability covers a multitude of conditions. These include, but certainly are not limited to:
1. Degenerative Disc Disease
3. Crohn’s, Colitis and Irritable Bowel Syndrome
7. Cardiovascular or circulatory disorders
8. Multiple Sclerosis
Filing a Claim
Before you file a claim, it is important to ensure you look over and understand your LTD contract. Make sure you know the time limits for submitting your application and appeal. You have 180 days to file an appeal after you receive a denial, so don’t hesitate to call us for a free consultation. Then, the next step is to prove that your disability prevents you from working at your current job, or any certain job depending on the details of your plan.
Once you’ve made a claim, the insurance company will obtain the necessary records and ask your doctor for their medical opinion on your disability. The next steps you can take are:
1. Talk to your doctor! Let your doctor know that he/she may be contacted by the LTD insurance company.
2. If your claim is denied, pay attention to deadlines!
3. Call for a free consultation!
If you or a loved one is suffering from an injury or illness that prevents them from working and isn’t receiving the benefits they are entitled to from their long-term disability insurance, then you don’t need to fight alone. The experienced long-term disability attorneys at Liner Legal are ready to listen to your case and help advise you on your next steps. A disability lawyer can be your greatest ally and asset. Contact Andrew November today at 216-282-1773 or firstname.lastname@example.org to begin the process of receiving the benefits you deserve.