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What You Need to Know About “Pre-Disability Earnings” When Calculating Your LTD Benefits

Due to sickness or injury, you are no longer able to work in your occupation. The insurance company has found you disabled. So, you are eligible to collect a monthly disability payment.

How Much Will I Receive in Monthly Disability Payments?

It depends on your specific long-term disability policy. People are typically entitled to a percentage (usually 50 % or 60%) of their prior earnings. This amount can be reduced for any other income received by the individual, including social security benefits, workers compensation benefits, or any income received from part-time work.

How Does the Insurance Company Calculate Pre-Disability Earnings?

Again, it depends on the long-term disability policy. The policy will specify how the insurance companies calculate pre-disability earnings. These earnings will include wages and salary. However, it may or may not include bonuses, commissions, etc.

Our experienced disability lawyers can review the policy and discuss with you how your pre-disability earnings will be calculated.

Attorneys That Specialize in Handling Your Disability Insurance Claims

This law firm was created with a single purpose in mind: to help people get disability benefits from insurance companies.

With that kind of focus, we have:

  1. Experience with every disability insurance company;
  1. A proven track record of success by winning major long term disability lawsuits;
  1. Recovered millions of dollars in disability benefits for clients like you;

Every day, our disability lawyers work to get insurance companies to approve long-term disability claims or appeal disability benefits denials.

With so much at stake, shouldn’t you have expert disability lawyers on your side?

Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.

Call Dabdoub Law Firm today at (800) 969-0488 to speak with an experienced attorney about your case.