Long-term Disability Coverage – Do I Have Coverage?
One important aspect to always understand when you are applying for long-term disability benefits is you must be employed at the time of your application. This doesn't mean that you have to be actively working in the office, but you still have to be an employee.
Long-term Disability Policy
It may go without saying, but to be eligible for long-term disability benefits, you have to have the policy in effect at the time of your disability – which usually requires you to be employed at the time of disability, but not necessarily working.
Records to Help with Your Long-term Disability Application
One responsibility that insurance companies have during the application and denial process for benefits is to give you all the necessary information in the administrative record for your case so that you can look at everything they are looking at when making their decision.