How Do I Know If I’m Eligible For Long Term Disability Benefits?

Long-term disability (LTD) benefits replace income lost due to debilitating illnesses or injuries incapacitating policyholders for extended periods. Steering complex LTD claim procedures can prove daunting, raising existential questions regarding eligibility. Consulting seasoned long term disability lawyer offers crucial guidance steering anxious petitioners through bureaucratic red tape, easing anxieties, and improving odds of approval.

Review your LTD insurance policy:

Start by reviewing your LTD insurance policy to understand the coverage provisions, eligibility criteria, and benefit terms. Policies vary widely in terms of qualifying conditions, waiting periods, benefit amounts, and other requirements. Pay close attention to definitions of disability, duration of benefits, and any exclusions or limitations that may apply.

Assess your medical condition:

To qualify for long-term disability benefits, you must have a medical condition that prevents you from performing the essential duties of your occupation or any occupation for which you’re reasonably suited by education, training, or experience. This condition must be supported by objective medical evidence, such as doctor’s diagnoses, treatment records, and test results.

Determine the duration of your disability:

Long-term disability benefits typically provide coverage for disabilities that are expected to last for an extended period, typically six months or longer. Short-term disability benefits may cover shorter-term disabilities, but if your condition is expected to persist beyond the short-term disability period, you may be eligible for long-term disability benefits.

Consider your work status:

Your ability to work is a key factor in determining eligibility for long-term disability benefits. If your medical condition prevents you from performing the duties of your occupation or any gainful employment, you may meet the definition of disability under your LTD insurance policy. Your inability to work must be supported by medical evidence and documented by your healthcare provider.

Meet the definition of disability:

Most LTD insurance policies define disability as the inability to perform the material duties of your occupation due to sickness or injury. Some policies may also include a residual or partial disability provision, allowing benefits for partial loss of income if you’re able to work part-time or in a reduced capacity. Review your policy carefully to understand the specific definition of disability and how it applies to your situation.