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What is long-term disability insurance?

We depend upon our jobs to provide us with the income to make ends meet. We may be the only ones who can perform certain tasks at the workplace. If we suffer an injury or illness that makes it impossible to perform these tasks, we could see a substantial loss of income due to our inability to work.

Long-term disability (LTD) insurance helps us recover compensation in order to make ends meet. These payments may exist for a limited period of time, or may run for the rest of our working lives. It all depends upon the type of coverage that we have from our employers or purchase from an insurer. In this post, we explain some basic information about LTD insurance, and what you should know if you run into problems with your policy.

Does your employer have long-term disability insurance?

Many employees receive long-term disability insurance coverage from their employers. In the event that an insured employee is unable to work for a specified period of time, he or she will be able to file a request for benefits under the plan. The provider, then, will decide whether the employee will be able to receive the benefits that he or she is requesting.

It can extremely hard for individuals to qualify to receive these payments, as insurance companies will frequently deny benefits to those who have made requests. If your plan is provided by an insurer, ERISA laws apply. ERISA is a complex statute that is very difficult for the layperson to understand. Additionally, these laws make it easier for insurance companies to justify the decisions that they have made to deny coverage.

In the event that your disability claim is denied, know that you have options. You may appeal the insurer’s decision, but this can lead to long delays before you receive compensation. You should speak to an attorney as soon as possible in order to learn more about your options.

Have you purchased your own plan from an insurer?

If your employer hasn’t provided you with coverage, you may decide to buy a policy directly from an insurer. This means that different laws apply to the policy, and it removes it from the ERISA context. This could potentially improve your chances of recovering benefits if you are disabled.

Again, if the insurer refuses to honor its obligations to you, know that there are measures you can take to hold them accountable. An experienced attorney can help you determine what is best for your situation.

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