Long-Term Disability
"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.
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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.
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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.
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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.
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Long-Term Disability Policy Riders
Adding riders to your long-term disability policy can make your future benefits much more valuable.
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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.
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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.
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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.
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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.
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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.
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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.
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ERISA Disability Benefits Applications: 6 Common Mistakes
Increase your chance of getting ERISA group disability benefits by avoiding these common mistakes.
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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.
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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.
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