Do you know if you meet the Definition of LTD in your Policy?

People suffer from various kinds of medical conditions every day. These medical conditions have been known to affect their ability to work or function properly. They would not be able to work in the same capacity as they used to work before. Additional worries about your inability to provide for your family could be stressful for a person. 

For seeking insurance coverage for long-term disability benefits, you should gather knowledge about the conditions that qualify for LTD in the United States and when do long-term benefits begin. These aspects would be important for planning your financial future. 

Do you meet the definition of long-term disability in your policy? 

The process for determining long-term disability begins when you meet the definition of disability in your policy. Usually, the specifics of the definition would vary from policy to policy. As a result, the beginning of long-term disability would be dependent on the terms of your specific policy. 

At times, long-term disability begins when you were unable to work. However, long-term disability would begin even while you were working in some capacity. Therefore, it would be in your best interest to go through the long-term disability policy prudently to understand the definition of disability applicable to your condition. 

Most policies have wider definitions of disabilities. It requires your inability to work to qualify for long-term disability benefits. Such definitions of disability would often consider you disabled due to your inability to perform the necessary duties of your occupation. 

There would be other disability policies having relatively narrower definitions of disability. It enables you to qualify for long-term disability benefits despite still working in the company. Based on your policy, it could imply that you could perform most, if not all, of the necessary duties of your occupation. It would also entail the part-time performance of necessary duties. 

Most disability policies would offer benefits if you were still working. However, such policies would require you to have lost a specific percentage of your income due to your medical condition. 

Seeking assistance for achieving disability claim 

To seek a disability claim from the insurance company denying the claim, you should invest in a qualified and competent disability attorney. The attorney should be capable to handle complicated disability insurance claims. Their experience and expertise in handling the disability claim coupled with their ability to corroborate evidence to your disability would be essential in winning a deserved disability claim. Therefore, when you seek a disability attorney, do not be complacent in your choice.