How Much Does Long Term Disability Income Pay?

Long term disability income is designed as a supplemetal income source for individuals who are unable to continue in their regular job due to injury or illness. Generally, the injury or illness must last for a long period of time (a year or longer) to qualify as long term. Short term disability is often available for instaces of temporary or short term disabilities.

How Much Will You Receive?

Long term disability either pays a percentage of your previous gross income (usually 50 to 60 percent) or a flat monthly rate. The amount you receive will depend on the following:

• How much you have paid into your disability insurance;
• How your plan is set up;
• How long you have worked for your employer;
• Whether you are able to work at another occupation;
• Whether you are receiving other income or benefits;
• Who you have benefits through (can be through an employer or government agency);
• The anticipated length of your disability; and
• How long you have been paying into your disability insurance.

You will need to review your policy, or have an attorney review it for you, to find out the specific amount to which you are entitled. Your insurance provider should also be able to assist you with any questions.

Common Injuries/Illnesses

The following are some of the common reasons for long term disability claims:

• Back injuries;
• Heart problems;
• Cancer;
• Diabetes; and
• Arthritis.

The causes are usually not due to workplace injury, which will traditionally be covered by Worker's Compensation.

Getting Legal Help

If you think you are eligible for long term disability income, it is wise to discuss your case with an experienced attorney in your state. An attorney will help you with the paper work and filing process as well as advise you of your rights. Because your livelihood may depend on successfully applying for benefits, it is a good idea to talk with an attorney as early as possible.