Do I Have Coverage from Long Term Disability Insurance?

If you become disabled, you may have long term disability insurance coverage, which can help replace some of your income while you are unable to work. Because this insurance can come from one of several sources, you will need to find out whether you have coverage and from what source.

Employer Disability Coverage

Many employers pay into a group long term disability plan for their employees. Employer coverage under a long term disability plan generally is made available after an employee has been working for the employer for a certain length of time. They may also have short term disability available through the same plan. You must be an eligible employee to receive these benefits. Contact your employer to find out whether they have a plan, and if so, whether you are an eligible employee. Your employer can also provide any details regarding coverage.

State Disability Coverage

Some states have disability insurance coverage for individuals who do not have it through their employer. Contact your state's unemployment benefits office (they usually also handle disability benefits) to find out whether you qualify for state disability coverage.

Other Disability Coverage

Even if you are not eligible or do not have coverage under employer or state disability insurance coverage, you may be able to get disability benefits from one of the following (depending on criteria and eligibility):

• Social Security Disability (must be a serious disability that will prevent you from working for a year or more);
• Worker's Compensation Disability (if you injure yourself on the job or develop a job-related illness); or
• Veteran's Disability (for disabled individuals who have served in the military).

Discuss  your eligibility for these benefits with an attorney experienced in disability law.

Getting Legal Help

If you are uncertain as to whether you have coverage or need help filing a claim, discuss your circumstances with an attorney experienced in disabiltiy law. An attorney will help you figure out whether you have insurance and how to obtain coverage.