Long-term disability insurance pays a monthly disability benefit if you become sick or injured and cannot work. The majority of people who have disability insurance get their disability policy from work. A federal statute known as ERISA, the Employee Retirement Income Security Act, is the law that applies to the majority of long-term disability claims.
When you have a claim for disability benefits, the disability insurance company will want your medical records and ask that you complete disability forms or provide other information. Your doctors will also be asked to complete a form known as an Attending Physician Statement (APS). You may also be sent for a medical examination by the disability insurance company’s doctor and surveillance might be done to check your activity levels.
What Is Long Term Disability?
It is important to understand the terms of your disability insurance policy if you have a disability claim. The typical long-term disability policy defines disability to mean you are unable to work in your “own occupation” for the first 24 months. After 24 months, you have to prove you are disabled from working in “any occupation.” The majority of disability benefits that are terminated by disability insurance companies occur around this time.
Many disability policies also limit payment of disability benefits due to a mental health condition to 24 months. This is called a mental health limitation. Depression, anxiety, bipolar disorder, and PTSD are some of the mental health conditions that have this limited payment period. Insurance companies sometimes ignore that there is also a physical condition that causes the person not to be able to work in order to limit the time during which someone can receive disability benefits.
Get Help Identifying Your Options
ERISA gives certain rights to people who have disability claims. ERISA also gives many advantages to disability insurance companies. The long-term disability lawyers in our firm are experienced with disability insurance claims and ERISA. We can help with the initial disability claim, appeal a denied disability claim, and file a lawsuit for disability benefits. Dabdoub Law Firm is proud to help people nationwide.
Call us today at (800) 969-0488 for a free case evaluation. We do everything in our power to get our clients the help they need!