LONG TERM DISABILITY
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What is a long-term disability?
Long-term disability (LTD) is an insurance policy that can help replace your lost wages if you are unable to perform your job because of an injury or illness for an extended period of time. Many times, employees have LTD plans as part of their benefits package and don’t even realize it, but it is also possible to get a private LTD policy. However, getting a LTD plan in place is something you need to have BEFORE you become disabled.
Am I covered in the event I become disabled?
For LTD (like any insurance policy), you have to file a claim and provide proof that you are entitled to coverage. You must have medical evidence that shows you are unable to perform the essential tasks of your job due to a physical or mental condition.
What’s the difference between LTD, Social Security disability, and Workers’ compensation?
While there is some overlap between these programs, they are very distinct from one another and there are several differences in their requirements. LTD is an insurance policy purchased privately or provided by your employer that will replace lost wages if you’re unable to perform your job for an extended period of time. Social Security disability is a program provided by the federal government that pays eligible individuals who are unable to perform any type of full-time work for 12 months or more. Workers’ compensation is a state program that provides medical coverage and/or payment when an individual is injured at work.
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Hiring an Attorney
Unfortunately, employers and insurance providers are out to protect their own interests, not yours. Even with a credible diagnosis and a complete, accurate application, your LTD claim could still be denied. You need an experienced team looking out for you. The Jeffrey Freedman team has worked on thousands of cases just like yours. We have your back.
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Frequently Asked Questions
Millions of Americans find themselves facing a long-term disability that prevents them from working every day. Jeffrey Freedman attorneys have worked with thousands of clients just like you to secure the benefits they need to get through this difficult time. Our clients ask many of the same questions, so we’ve compiled a list of questions to help you address yours. If you don’t find the answer you’re looking for here, please feel free to contact us.
Common Questions