Long-Term Disability

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.