You just were approved for long-term disability benefits by the insurance company. Finally, you can let out a sigh of relief after likely going through a long process for the approval. The question now is: will you continue to receive long-term disability benefits forever? Or, will long-term disability benefits stop at some time in the future?
First, you will not receive disability benefits forever. This is because most group disability insurance policies pay through a certain age. The most common maximum benefit period for long-term disability policies include:
- Through age 65;
- Through age 67;
- Through normal Social Security Retirement Age.
Beyond age, some long-term disability insurance policies limit the amount of benefits you may receive, based on the type of disability. This limitation is typically 24 months of payments, although they can also be 18 months or 36 months. The most common limitations under long-term disability policies include disabilities due to:
- Mental health conditions;
- Alcohol and/or substance abuse; and
- Self-reported symptoms.
Second, in order to receive your monthly long-term disability benefits you need to meet the insurance policy’s definition of disability. Most policies will only pay benefits if you are under the appropriate care and treatment of a physician for your disabling condition. For this reason, the insurance company will review and re-review your disability claim to determine whether you remain disabled. The most common time when a long-term disability insurance company terminates a person’s benefits is when the definition of disability changes from own occupation to any occupation.
Can the Dabdoub Law Firm Help?
This law firm is prepared to help you. Our experienced disability lawyers can help you with your claim and work hard to ensure the insurance company keeps paying disability benefits. We will know your rights under the law and understand the terms of disability insurance policies. Our disability attorneys will work with you and your treating doctors to get the support you need from your doctors to establish disability.
Our Lawyers Specialize in Disability Insurance Claims
Because our law firm has always focused only on disability insurance, our lawyers are experts in legal representation for disability insurance benefits. That means our disability lawyers have:
- Won several major disability lawsuits that help make better law for disability claimants;
- Experience fighting every major insurance company, such as UNUM, Hartford, MetLife, CIGNA, Prudential, and more.
- Successfully represented hundreds of clients and won millions of dollars in disability benefits.
Because federal law applies to most disability insurance claims, we can help clients across the country. Disability insurance companies have lawyers. You should too. Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help with:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Call for a free consultation with a disability attorney. No fees or costs until you get paid.