Am I Eligible for Long Term Disability Payments?

Long term disability payments are designed to provide income to individuals who are suffering from an injury or illness which prevents them from working. To determine if you are eligible for long term disability payments there are several factors to consider.

Insurer and EmployerYou generally obtain disability insurance through your employer. Your insurer and employer came to an agreement as to the extent of your benefits when they started their relationship. This agreement will state your benefits in written form. You may need someone to explain this document to you as it can be long and complicated. Length of Employment Generally, you must have been employed for a minimum amount of time with a specified employer to receive long term disability benefits. This length of time will vary depending on the agreement reached between the insurance company and the employer. Nature of DisabilityLong term disability kicks in after short term disability has been utilized in complete. The extent of any injury or illness and the amount of time you will be unable to work in your previous position will determine whether you can collect long term benefits after exhausting short term benefits available to you. Nature of Benefits Within the contract, which is usually between an insurer and your employer, there will be specifics about the benefits policy, including how much is to be paid and any requirements for receiving those payments. You will need to discuss your case with an attorney and/or your employer or insurance company to learn what your rights are to benefits based on this contract. Getting Legal HelpIf you wish to file a long term disability claim, you will find that consulting an attorney familiar with disability benefits will make the process easier. An attorney can help you with paperwork, advise you of your rights, make recommendations to you and give yo