Long-Term Disability Questions and Answers
Long-term disability (LTD) insurance provides financial support if you’re unable to work due to a serious illness or injury. It typically starts after short-term benefits end, covering a significant portion of your salary for an extended period.
To qualify, you must prove your condition significantly impairs your ability to perform your job duties. This usually requires detailed medical documentation and adherence to your policy’s specific criteria for disability.
LTD policies cover a range of conditions, including chronic illnesses, severe injuries, and mental health disorders. Each policy differs, so it’s important to check what specific conditions your policy covers.
LTD benefits can last until you’re able to return to work, reach retirement age, or for a set period defined in your policy.
This depends on your policy’s definition of disability. Some policies allow “partial disability” benefits if you can work in a limited capacity, while others may cease benefits if you start working.
Consult with a disability lawyer. Denials can be due to various reasons, and a lawyer can help you understand these reasons and guide you through the appeals process or litigation.
This depends on who paid the premiums. If your employer paid them, benefits are typically taxable. If you paid them personally, benefits are usually tax-free.
Mental health issues, such as depression and anxiety are valid reasons for LTD claims. However, proving their impact can be challenging due to the nature of these conditions, requiring thorough medical evidence and consistent treatment records.
It depends on your policy’s terms. Some policies exclude pre-existing conditions or apply waiting periods before covering them.
Insurers may conduct surveillance to verify the extent of your disability, including social media monitoring, using private investigators, and reviewing public records.
Short-Term Disability Questions and Answers
Short-term disability (STD) covers a portion of your salary for a brief period, usually up to 6 months, for temporary disabilities. LTD kicks in for more serious, long-lasting conditions.
Benefits usually start after a short waiting period, often a few days to a couple of weeks after you become unable to work.
Yes, claims can be denied for various reasons. If denied, it’s advisable to consult a disability lawyer to review your case and advise on the next steps, which may include appealing the decision or legal action.
Receiving other benefits can affect your STD entitlements. Policies often require coordination with these benefits, reducing the amount paid by the STD insurer.
Documentation involves providing comprehensive medical evidence, including doctors’ reports and possibly results from diagnostic tests, to support your claim.
The appeal process usually involves submitting additional medical evidence and arguments to the insurer challenging their decision. If unsuccessful, legal action may be necessary.
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McNally Gervan – Trusted Legal Service for Disability Claims
Navigating disability claims can be complex and challenging. If you have further questions or need personalized assistance, McNally Gervan’s experienced lawyers are here to help. Contact us for a free consultation to discuss your specific situation and explore your legal options with our team.
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