"Long-term disability benefits" usually refers to policy payouts from a long-term disability (LTD) insurance policy. LTD policies are sometimes paid for by employers but they can also be purchased by individuals. If you are covered by an LTD policy and you become unable to work due to an illness or accident, whether the accident happens at work or not, you are eligible for payments. How long a policy will pay benefits, how much you'll get paid, and what being disabled means depend on your policy terms.
Disability insurance for long term medical conditions is a useful resource if you find yourself unable to work, so you should be familiar with your policy terms and conditions.
If there's no job you can reasonably do where you make at least 60-80% of your pre-disability earnings, your long-term disability company should pay you benefits.
How much long-term disability pays depends on the terms of your LTD policy, but it will be a percentage of your wages, minus other benefits.
Long-term disability companies can reduce the benefit payout when you receive Social Security backpay, state short-term disability benefits, or workers' comp benefits.
Long-term disability lawyers often work on a contingency basis; you don't pay if you don't win.
Individuals rarely receive long-term disability (LTD) and unemployment benefits at the same time because of the way these programs are typically designed.
Many divorced people who receive long-term disability, VA, or SSI payments aren't sure how these benefits interact with their child support and alimony obligations.
Discover when you can go back to work and still collect long-term disability benefits, and what happens to your benefits if you're working.
Increase your chance of getting ERISA group disability benefits by avoiding these common mistakes.
Employer-provided long-term disability (LTD) policies are governed by a federal law known as ERISA, the Employee Retirement Income Security Act.
If your claim for long-term disability (LTD) insurance benefits has been denied, you shouldn't give up hope.
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