Many employers offer long-term disability benefits to their employees as part of their benefit packages. Long-term disability benefits provide income replacement to those who are unable to work for an indefinite amount of time as a result of an injury or illness.
Long-term disability policies vary, but most require that an insured person satisfy a “qualifying period”, submit an application, provide updated medical information, engage in treatment and/or rehab and be subject to a “change of definition” where the insurer changes their definition of disability from “own” occupation to “any” occupation.
The amount a long-term disability benefit can provide depends on the policy, but is e usually around 50% to 85% of your monthly income, and depending on your policy, your benefit may be taxable.
Often, long-term disability policies can be confusing and complex and letters from the insurance company with terms that are vague and ambiguous. A lawyer can help you understand your insurance policy and any letters you may receive from your insurer.
Please do not hesitate to contact our firm if your long-term disability benefits have been denied or terminated. It is always important to understand your rights in these types of situations and whether you can pursue legal action against your insurer.