The coverage that a long-term disability insurance policy offers depends on the definition of disability that the policy contains. Generally, disability benefits become available when you have an illness, injury, or other medical condition that makes you unable to work. The definition of disability in a long-term disability insurance policy, however, tends to be far more precise.

For example, some policies require that you provide evidence that you are unable to work in your specific position, which is referred to as “own occupation.” Other policies require a showing that you are unable to work in any type of job, or “any occupation.” Many policies also change this definition of disability over time, requiring an inability to work in a specific position when a person begins receiving benefits, but requiring an inability to work in any job after a person gets 24 months of benefits.

Many long-term disability insurance policies contain other limitations, as well. For instance, benefits for disabling mental health conditions may cut off after 24 months of benefits. Likewise, you may be unable to get disability insurance coverage for a pre-existing disabling medical condition, which often includes any medical condition for which you have received treatment within the past 90 days. Most policies also contain an elimination or waiting period, during which you are ineligible for any benefits.

Finally, long-term disability insurance coverage does not last forever in most cases. Most policies require you to apply for Social Security disability benefits, and if you qualify for those benefits, your LTD benefits likely will reduce on a dollar-for-dollar basis. Many insurance benefits also terminate when you hit retirement age, such as age 65 or whenever you qualify for Social Security retirement benefits.

Bonnici Law Group provides client-focused representation throughout the ERISA claims process. We are here to consider the evidence in support of your ERISA long-term disability claim and evaluate your application. Next, we can develop the most effective strategy for fighting any denials of coverage that you may receive. Allow us to handle your legal needs while you focus on your physical and emotional health. Contact the ERISA long-term disability attorneys of Bonnici Law Group at 858-261-5454 or help@bonnicilawgroup.com.