Whether you get long-term disability insurance through your work or your individual policy, you could be eligible to receive a large portion of your salary if something happens that renders you unable to work. However, it is important to note that in order to enjoy the benefits of long-term disability insurance, you have to meet several requirements. The following is a list from our long-term disability attorney of common requirements for long-term disability:
#1. You must prove that you are disabled.
Before you file a claim, the first thing that you should do is reference your policy’s definition of disability. In general, if you are unable to perform your work duties due to an injury or illness, you will be considered totally disabled, and if your injury or illness keeps you from working full-time, you will be considered partially disabled. This is important to note because many policies won’t allow you to file an LTD claim if you are still on the payroll. Even if you consider yourself to fit the bill for being totally disabled, your doctor’s opinion is the most important part of proving that you are indeed disabled. It is likely that your lab results, clinical notes, exam findings, etc. will also be requested to prove your disability. Not only will you need to prove that your disability exists, but you will also have to prove that it is ongoing and that you are sticking to your doctor’s treatment plan and advice.
Proving that you are disabled is just one of the many requirements that you will need to meet in order to qualify for LTD benefits. Learn more when you stay tuned for our next blog!