If you have suffered a physical or psychological injury or illness that prevents you from being able to work, you may be entitled to long-term-disability (LTD) benefits. If your employer offers you LTD coverage as part of a group benefits package, or you purchased an individual policy on your own, you may be entitled to continue receiving a portion of your salary if you are unable to work due to injury or illness. Every LTD policy is different, and the availability and amount of benefits will depend on the policy. It is important to submit an application for LTD benefits as early as possible to get the process started and begin receiving any payment you are entitled to.
LTD policies are complex and often contain ambiguous terms. There are numerous requirements relating to waiting periods, premiums, calculations of entitlement and minimum work hours that one should be familiar with when applying for LTD benefits. Although LTD benefits can be a vital lifeline if you are unable to work, and should be pursued to the fullest extent, getting the process started can be burdensome, especially when trying to prove with medical evidence that you meet the definition of having a “disability”. If your application is denied, or your benefits are terminated, you should contact a lawyer promptly to advise you of all your rights and options. You may be in a position to pursue an action against your LTD insurer.