Long Term Disability Coverage

By Kevin Souch

What is Long term disability insurance?

Long term disability insurance is a type of coverage that offers financial protection if you become unable to work due to injury or illness. It provides you with a portion of your income, typically a percentage, to help cover essential expenses such as bills, living costs, and medical care or rehabilitation.

If you suffer from a medical condition or injury that prevents you from returning to work, long term disability insurance can provide ongoing financial support. Initially, most policies will pay benefits if you're unable to perform the duties of your own occupation for up to two years. Beyond this initial period, the criteria typically shifts, requiring you to demonstrate the inability to perform the duties of any occupation for which you are reasonably qualified by education, training, or experience in order to continue receiving benefits.

This insurance is crucial as it helps mitigate the financial impact of long-term inability to work, ensuring you can maintain financial stability during a challenging period of recovery or adjustment to a new circumstance.

How do I receive Long-term Disability?

To receive long term disability benefits, you need to file a claim. Depending on whether you have disability insurance through your employer or privately, check your employer's benefits booklet or your insurance policy for details. If your coverage is through your employer, contact them for instructions on how to file your claim. Otherwise, reach out directly to your insurance provider. In either case, you will need to complete a claims form provided by your employer or insurance company.

Your claim form may have sections for you to complete, as well as sections that your employer and physicians need to fill out. Your own doctor will likely need to describe your condition and prognosis. The insurance company might also require you to undergo an examination by one of their own doctors. It is crucial to describe your symptoms accurately to healthcare providers so they can provide appropriate care and support in your claim process.

If you have been denied a long-term disability claim, or if your claim has been cut off, contact me at SorbaraLAW for a FREE, NO OBLIGATION, CONSULTATION. We work on a contingency basis which means we do not get paid until YOU GET PAID. ksouch@sorbaralaw.com or 519-741-8010.