Making sense of what you’re reading is vital in helping you increase the success rate of your disability claim. That’s why in today’s blog, we decided to put together a list of the top basic terms used in long term disability language.
While a disability claim approved by the Social Security Administration (SSA) does not automatically mean your Long-Term Disability (LTD) claim will also be approved, it is very concerning when one’s LTD claim is denied in light of an SSDI approval.
Long-term disability denials happen all too frequently. But if it happens to you, be aware of your right to appeal and your right to a neutral decision from the LTD Plan administrator
Long-term disability insurance can be a complex subject. It is recommended to educate yourself and to make sure you fully understand what is included in order to get the most out of your coverage. When researching long-term disability topics, many terms come up over and over again. One of these phrases is the elimination period.
Certain terms and conditions are typically present in most policies, even though long-term disability insurance policies differ in many respects. The exact wording in these terms may be different from policy to policy, but the concepts that are described by these coverage terms are frequently litigated issues in claims litigation.
The procedures for claims submission procedures are explained in the summary plan description, the insurance policy, and other insurance plan documents. When looking for the specific claims submission procedure adopted by the employer, the claimant should consult these documents first.
At Bonnici Law Group, we get lots of calls with questions on what to do after you get a denial letter from your long-term disability carrier. Truthfully, it's really procedural. The time frame to appeal is really short, which is generally 180 days.
Depending on what your policy’s states, the duration of benefits you could recover through your policy varies. A lot of policies these days state that your benefits will expire when you reach your retirement age
A question we get all the time at Bonnici Law Group is: Can I get long term disability and social security disability at the same time? The answer is yes!
At Bonnici Law Group, a common question we get from clients is: what exactly does long term disability cover? Long term disability basically covers any illness or injury that keeps you out of work for an extended period of time.