Here’s a basic introduction to how Long Term Disability Insurance claims work.
ERISA Long Term Disability insurance claims are complicated. They involve short deadlines and are governed by complex federal laws and regulations.
A collection of common words and phrases you’ll find in most long term disability policies.
Both IDI and GDI disability programs offer cash benefits for disabled individuals, but the remedies available to claimants (if the claim is denied) are very different.
Before you apply for long term disability benefits, it is helpful to know how the process will work.
An overview of the long-term disability evaluation process and what you need to do to get benefits. Includes for medical eligibility for disability benefits.
The basics of how LTD insurance companies process and decide a disability claim.
How many disability claims are filed with Long Term Disability insurance companies? How many win benefits? How does it work?
If you’ve paid premiums and have coverage under a long term disability insurance policy and you become unable to work, the insurance company will pay you a percentage of the salary or wages that you earned before becoming disabled.
If you have coverage under a long-term disability insurance policy and you’re unable to work due to one or more disabilities, you may be eligible for long-term disability insurance benefits to replace some of your lost income.
In California, employer-funded disability insurance policies (as well as those paid by the employee as part of a group plan benefit with the employer) may provide short-term disability benefits and long-term disability benefits.
Here we break down the language of a typical long term disability policy.
Insurance policies are designed in a way that will maximize the insurance company’s ability to deny your claim.
For the purpose of this article, we’re classifying government employees as anyone who works for a municipality, state, or the United States federal government.
At the end of the day, a long term disability claim is governed by a contract. The contract is your policy.
Long Term Disability Lawyers
To help you “level the playing field” against a large insurer who has much more knowledge and experience in the world of disability law, it makes sense to hire an experienced disability lawyer.
How much a long-term disability lawyer charges depends on your attorney-client fee agreement and how much the insurance company ultimately pays you (if anything).
Having an experienced attorney handle your Long Term Disability insurance case may help to speed up the very long process.
If your benefits have been denied or cut-off, hiring a disability lawyer can definitely help.