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Some Important Questions Pertaining to LTD Benefits

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Some Important Questions Pertaining to LTD Benefits

If you have been denied LTD benefits, hiring an attorney is the best choice. The lawyer will make no mistake at every step you take to file your claim. From filling up a form to fighting a case, the lawyer ensures that everything is handled in the most efficient manner. They have years of experience in dealing with such cases and know how and what exactly the queries may arise and ways to manage them properly. They are experts in interacting with companies that offer disability insurance, which you may not be able to do. Some of the common questions related to LTD benefits are explained below:

Till when LTD benefits can be received?

The most common question, which bothers a disabled person, is the length of the time period. Every insurance is different and the benefits can be received from six years to decades depending on the insurance you have chosen. The medical condition also makes a great difference when it comes to receiving these benefits. If you are suffering from any mental disease, the period may be up to 24 months.

What are the medical conditions that qualify for long-term disability insurance?

This insurance puts more emphasis on the severity of the medical condition than the type of medical condition. If the condition is such that the person is unable to perform his duties at work, he is eligible for the LTD benefits. A few of these conditions include the following:

  • Depression and Anxiety
  • Cancer
  • Heart attack
  • Carpel tunnel syndrome 
  • Stroke
  • Lymph disease 
  • Chronic fatigue syndrome

How long does it take for the LTD claim to process?

It depends on the insurance policy. In some cases, the person has to apply for a short-term disability before they can apply for a long-term disability. In others, the claimant cannot file a claim until the waiting period, also referred to elimination period is over. It is suggested to get in touch with a lawyer to go through the policy to figure out the procedure properly.

Can I file a claim on my own?

It has been observed that people make several mistakes while filing their claims because the application form is made complicated. It affects the LTD benefits and the person can be denied. Hiring a qualified lawyer is highly recommended when it comes to getting the benefits without any hassle. 

Long-term disability insurance is the best way to deal with your disabilities.

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