• Your Inquiry
Rmc Govern Law
Advertisement
  • Home
  • Attorney
  • Bankruptcy
  • Divorce
  • Law
  • Lawyer
  • Legal Service
  • Personal Injury
No Result
View All Result
  • Home
  • Attorney
  • Bankruptcy
  • Divorce
  • Law
  • Lawyer
  • Legal Service
  • Personal Injury
No Result
View All Result
Rmc Govern Law
No Result
View All Result
Home Law

4 Conditions Necessary to Qualify for Long-Term Disability Benefits

Riley Kali by Riley Kali
May 6, 2022
in Law
0
4 Conditions Necessary to Qualify for Long-Term Disability Benefits
0
SHARES
53
VIEWS
Share on FacebookShare on Twitter

Suppose you’re unable to work because of an illness or injury, but you haven’t been able to save enough money to last you for your disability. In that case, long-term disability benefits might be available to help you make ends meet in your time of need. Long-term disability benefits are typically only available from an employer or Social Security. It’s important to know what conditions you need to satisfy to qualify for these benefits.

1.   Must Meet the Definition of Total Disability

To qualify for long-term disability (LTD) benefits, you must be unable to work and earn an income, in any capacity, from any occupation or job. It would help if you also were expected to remain so disabled in all settings (work and nonwork) indefinitely. Your insurer can deny a claim if you are working or have a chance of returning to work in six months or less.

However, the definition of total disability may be confusing. For example, it does not mean that you cannot do anything. Instead, your condition prevents you from performing any gainful employment. It’s essential to understand how your condition affects your ability to work before applying for benefits. It’s, therefore, crucial to hire an LTD lawyer as soon as possible after a diagnosis with a disabling condition.

2.   You Must Have an Insurable Interest in Your Own Body

To qualify for long-term disability, you must have an insurable interest in your own body. In other words, if you want to collect disability benefits, it is essential to have insurance when you are still able to perform your job. If something happened to you and you could no longer work due to injury or illness, you could potentially file a claim.

If you do not have health insurance, it would not be easy to prove that you had an insurable interest in your own body. Long term disability lawyers can help you determine whether or not you have an insurable interest in your own body.

3.   You Must Be Unable to Work at Any Job Other Than Your Own

To qualify for long-term disability (LTD) benefits, you must be so ill or injured that you cannot work at any other job. If you can perform a lesser job activity, your insurer may not pay your disability benefits. Also, to qualify for LTD payments, there are three criteria that your illness or injury must meet:

  • Inability to perform an alternative occupation
  • Duration of disability or injury (how long will it take until you recover)
  • The severity of the condition (the condition’s impact on your ability to work)

Your employer’s company policy is also a factor in whether you can receive LTD benefits. If your employer has hired replacement workers during your absence, they may have grounds to deny you LTD coverage. It’s, therefore, crucial to hire experienced long term disability lawyers who understand both state and federal laws regarding LTD claims.

4.   You Need to First Exhaust Your Short-Term Benefits

Before you can receive your long-term disability payments, you need to exhaust other short-term and long-term disability programs. That may include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). For SSDI, a person must have worked in at least five of the last ten years and earned enough money to pay into social security. SSDI is a no-fault program, meaning that it does not matter why you became disabled or if it was preventable.

You also must exhaust leave-pay from work through sick days and vacation time before applying for the LTD plan. If you cannot return to work because of an injury or illness, you should apply for long-term benefits as soon as possible after exhausting all other resources. An LTD lawyer will help you determine what benefits you may be eligible for and how to go about filing your claim.

Conclusion

Long-term disability insurance provides a monthly cash benefit if you cannot work due to a severe injury or illness. To receive payments, you will have to meet specific criteria, including passing a medical examination and working for an employer that offers coverage. You should also expect that an insurer will closely scrutinize your claim, so it’s essential to understand what factors go into qualifying. It pays to know ahead of time whether you would pass or fail. However, contacting an LTD lawyer is always a good idea before filing for benefits. That way, you can ensure that all your paperwork is in order and avoid surprises later on.

  • Trending
  • Comments
  • Latest
Should you prefer a Great Attorney, This is one way to visit

Should you prefer a Great Attorney, This is one way to visit

February 7, 2020
The 21 Irrefutable Laws and regulations of Leadership

The 21 Irrefutable Laws and regulations of Leadership

May 26, 2020
Free Of The Law

Free Of The Law

May 28, 2020
14 Spiritual Laws and regulations to understand and employ

14 Spiritual Laws and regulations to understand and employ

May 4, 2020
Why Hire a Car Accident Lawyer?

Why Hire a Car Accident Lawyer?

0
An Electrical Of Attorney Explanation

An Electrical Of Attorney Explanation

0
Effective Strategies For Selecting The Right Bankruptcy Attorney

Effective Strategies For Selecting The Right Bankruptcy Attorney

0
Should you prefer a Great Attorney, This is one way to visit

Should you prefer a Great Attorney, This is one way to visit

0
Why Hire a Car Accident Lawyer?

Why Hire a Car Accident Lawyer?

January 23, 2023
Are Construction Sites Safe For Workers?

Are Construction Sites Safe For Workers?

January 19, 2023
Digitization Of Law Firms: How To Manage Your Activity

Digitization Of Law Firms: How To Manage Your Activity

January 10, 2023
Digital Marketing: How To Manage Your Online Reputation?

Digital Marketing: How To Manage Your Online Reputation?

January 9, 2023

Recent Posts

  • Why Hire a Car Accident Lawyer? January 23, 2023
  • Are Construction Sites Safe For Workers? January 19, 2023
  • Digitization Of Law Firms: How To Manage Your Activity January 10, 2023
  • Digital Marketing: How To Manage Your Online Reputation? January 9, 2023
  • Learn About The Role Of A Car Accident Attorney And How They Can Help You January 5, 2023
  • When You Need a Criminal Defense Attorney December 22, 2022
  • What Are the VA Disability Ratings for PTSD? December 22, 2022

2023

  • – January (5)
    • Why Hire a Car Accident Lawyer?
    • Are Construction Sites Safe For Workers?
    • Digitization Of Law Firms: How To Manage Your Activity
    • Digital Marketing: How To Manage Your Online Reputation?
    • Learn About The Role Of A Car Accident Attorney And How They Can Help You

2022

  • + December (10)
  • + November (1)
  • + October (2)
  • + September (5)
  • + August (4)
  • + July (1)
  • + June (3)
  • + May (4)
  • + April (7)
  • + March (2)
  • + February (3)
  • + January (4)

2021

  • + December (2)
  • + November (6)
  • + October (5)
  • + September (11)
  • + August (5)
  • + July (1)
  • + June (3)
  • + May (1)
  • + April (3)
  • + March (5)
  • + February (1)
  • + January (5)

2020

  • + December (3)
  • + November (4)
  • + October (1)
  • + August (5)
  • + July (6)
  • + June (4)
  • + May (5)
  • + April (5)
  • + March (5)
  • + February (3)
  • + January (2)

2019

  • + December (1)

Tags

CA Domestic violence attorney in Barstow family attorney

© 2020 Rmc Govern Law - All Rights Reserved.

No Result
View All Result
  • Homepages

© 2020 Rmc Govern Law - All Rights Reserved.