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What is Long-Term Disability?

What is Long-Term Disability?

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. Short term disability will cover up a handful of weeks at a time. Scenarios where long-term disability can take place includes:

  • When your doctor doesn’t know when you’re going to be able to return to work, so they will keep putting you off until you get more treatment and figure out what exactly is going on.
  • When your doctor says that you can no longer return to work for a foreseeable future.

With long term disability, there really is no big red flag you need to look for. At Bonnici Law Group, Attorney Josh Bonnici has represented people with dozens of different ailments, including Lyme’s disease, Sciatica, Carpal Tunnel Syndrome, spinal fusions, neurological conditions, and a lot more. So whatever you’re going through, give us a call. We’ll walk you through what the exact definition of disability is for your policy, how it applies to the insurance company that you have, and if we can get you back on benefits. Give us a call at (619) 259-5199 or click here for a FREE consultation!

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2204, 2022

Why was my LTD Denied When I’m Already Receiving Social Security Disability Benefits?

April 22, 2022|Categories: Long-Term Disability|

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.

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