Eligibility for Long-term Disability Benefits

You can get a long-term disability package using two methods. First, you can get it as part of a benefit plan from your employer. Second, you can get it on your own through a disability insurer. But enjoying the benefits of long-term disability insurance has a lot of hurdles, including legal matters that may be extremely hard for normal individuals to navigate, and that is why there are legal professionals who focus on this kind of stuff, such as those from Fields Disability.
But what exactly are these legal matters? They may include the processes of making claims, eligibility issues that may influence claims, and appeals regarding denied claims.
Eligibility is one of the most common factors that may influence the approval or denial of a claim, and below are just some of the concepts it may include.

Disability

It is called long-term disability insurance, so you should actually be disabled to even qualify for it. The best way to prove your disability is to get a medical opinion from a medical professional.
But you should also look into the terms of the agreement with your employer or insurer, to know whether your condition truly qualifies as a disability. Most of the time, they may require objective evidence, such as X-rays and other medical reports that may substantiate your claim.

Longevity

Again, it is called long-term disability insurance, so the disability should be long-term. It may be a full disability, preventing you from working, or a partial disability, preventing you from fully functioning at work. But it should be long-term, which usually means that you have already exceeded the short-term disability policy. Usually, this happens about 10 to 53 weeks after the disabling event.

Employee Status

If the package comes from a benefit plan from an employer, you usually have to pass certain factors first before you become eligible. Typically, these factors include your status as an employee, like you should have worked for the company for a certain period or you should be a full-time employee before being eligible.

Leave a Reply

Your email address will not be published. Required fields are marked *