How do Long Term Disability insurance companies limit benefits? Video Overview

The long term disability policy is a contract between a claimants employer and the insurance company. The policy varies between insurance companies so it is very important to get a copy of the policy from their human resource department.
If a person is not able to work at their own job, you will receive disability benefits for up to 24 months. After this time period a claimant could potentially receive long term disability benefits until age 65 if they can prove, and continue to prove that they are not capable to perform any occupation.
Some policies have a Station in Life Provision which states that you are disability if you are unable to earn 60% of your previous salary. although the majority of policies will pay you 60% of your monthly salary minus offsets.