Understanding Your Long-Term Disability Policy

If you're covered by a long-term disability (LTD) insurance policy and become unable to work, you may be entitled to monthly disability benefits of 50% to 80% of your prior earnings.

Definition of Gainful Occupation: A Common Issue in Long-Term Disability Disputes

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.

Differences Between ERISA and Individual Long-Term Disability Plans

Whether you have an individual long-term disability (LTD) policy or an employer-provided group LTD policy could impact how you pursue your disability claim and your chances of being approved.

Long-Term Disability Policy Riders

Adding riders to your long-term disability policy can make your future benefits much more valuable.

How Much Does Long-Term Disability Pay?

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.

When a Long-Term Disability Insurance Company Can Take Social Security Disability Backpay

Long-term disability companies can reduce the benefit payout when you receive Social Security backpay, state short-term disability benefits, or workers' comp benefits.

How Much Do Long-Term Disability Attorneys Charge?

Long-term disability lawyers often work on a contingency basis; you don't pay if you don't win.

Collecting Long-Term Disability (LTD) Benefits and Unemployment Benefits at the Same Time

Individuals rarely receive long-term disability (LTD) and unemployment benefits at the same time because of the way these programs are typically designed.

How Long-Term Disability Affects Child Support and Alimony

If you are receiving long-term disability (LTD) benefits from an LTD insurance policy, it may be difficult for you to meet your child support and alimony obligations.

Can You Work and Collect Long-Term Disability Benefits at the Same Time?

If you go back to work while collecting long-term disability (LTD) benefits, your benefits may be terminated if you earn too much, depending on your policy.

ERISA Disability Benefits Applications: 6 Common Mistakes

Increase your chance of getting ERISA group disability benefits by avoiding these common mistakes.

Why Long-Term Disability (LTD) Applications Get Denied

Employer-provided long-term disability (LTD) policies are governed by a federal law known as ERISA, the Employee Retirement Income Security Act.

Appealing a Denial of Long-Term Disability Insurance

If your claim for long-term disability (LTD) insurance benefits has been denied, you shouldn't give up hope.