Long Term Disability Insurance Resources
Understanding long term disability insurance can feel overwhelming, especially when you’re focused on your health. These resources are designed to help you make sense of your policy, navigate the claims process, and avoid common mistakes. Whether you’re filing your first claim or appealing a denial, this guide offers clear, practical support and explains when working with a long term disability lawyer can make a meaningful difference in your case.
You Counted on Their Promise to Pay.
Make Them Keep It.
How to File a Long-Term Disability Claim
Filing a long-term disability claim requires notifying your insurer, gathering medical evidence, and often working with an attorney to ensure your claim is complete and accurate.
Understanding Own-Occupation vs. Any-Occupation Policies
“Own occupation” disability pays if you can’t do your specific job, while “any occupation” coverage only pays if you can’t work at all.
What is a Functional Capacity Evaluation (FCE)
A Functional Capacity Exam measures your physical abilities to prove if you can work or are disabled.
How to Prepare for a Long Term Disability Insurance Review or Audit
Prepare for an LTD review by keeping detailed medical records, documenting symptoms, understanding your policy, and consulting a disability attorney if needed.
How Do Disability Appeal Lawyers Win Denied LTD Claims
Disability appeal lawyers win denied LTD claims by gathering strong medical, vocational, and financial evidence and presenting a fully supported appeal.
Can I Be Terminated While on Long Term Disability?
Being on Long Term Disability doesn’t automatically protect you from termination, but firing you for applying for or receiving benefits may violate federal or state law.
Can You Collect Long-Term Disability and Social Security at The Same Time?
You can receive Long-Term Disability and Social Security benefits at the same time, but your LTD payments may be reduced by the amount of SSDI you receive.
What Not to Say in a Long-Term Disability Interview
During a Long-Term Disability interview, avoid exaggerating or downplaying your limitations, giving vague answers, admitting you can work, or withholding information, as these can jeopardize your claim.
Can I Still Get LTD Benefits If My Employer Goes Out of Business?
If your employer goes out of business, you may still qualify for Long Term Disability benefits depending on your policy, payments, and state or federal protections.
Are My LTD Benefits Taxable?
Whether your Long-Term Disability benefits are taxable depends on who paid the premiums and whether they were paid with pre-tax or post-tax dollars.
Can Long Term Disability be Garnished?
Long-Term Disability benefits are generally protected from private creditors, though certain debts like taxes, student loans, child support, or court-ordered restitution may still allow garnishment.
How to Win Against a (Not So) Independent Medical Exam for LTD Benefits
Independent Medical Exams (IMEs) for LTD claims often favor the insurer, but having complete medical records, being honest about limitations, and involving an attorney can help protect your benefits and challenge biased reports.
Does Long Term Disability Cover Maternity Leave?
Long-Term Disability may cover maternity leave only if serious pregnancy or childbirth complications prevent you from working beyond short-term disability coverage.