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How Do I Find Out If I am Eligible For Long Term Disability?

10 Jun 2020

How Do I Find Out If I Am Eligible For Long-Term Disability Benefits? 

How would you know whether you are eligible for long-term disability under your employer’s long-term disability policy? That question depends on what your insurance policy says. But first, you should be talking with your doctor.


When you could qualify for long-term disability

If you have a legitimate medical condition that limits your ability to do certain tasks at your job, to do them for the duration of time that you’re required to do them, and that limits your ability to perform the main functions of your job, then you could qualify for long-term disability.

Every insurance policy has a different definition of disability, so it’s important to make sure that you know what your policy says and that you’ve read the policy and shown it to your doctor.


Talk to your doctor

It’s important to have those conversations with your doctor to try different treatments, and to see if you can get to a place where you can perform the main duties of your job again. And if you can’t do those things and you’ve tried to do them, then your doctor needs to be the one to tell you that you should apply for long-term disability and that you should no longer work.


Your next steps

At that point, the next step would be to go to your human resources department, your manager, or whoever regulates those sorts of things, and tell them what your doctor has said. You should also provide medical documentation from your doctor showing that you’re not able to work.

Also, make sure you get the appropriate claim forms so that you can file the claims with your insurance company. Once you have filed the claims with the insurance company, they will either approve or deny you. And if they deny you, they are required under ERISA, the Employee Retirement Income Security Act, to tell you why you were denied.


If you were denied

If they don’t tell you why you were denied, then you need to do your best to get that in writing from them so that you know what you need to do to become eligible for your long-term disability benefits.

I hope this video has been helpful. And I hope that now you have a sense of what a long-term disability policy actually is and what is required for you to become eligible to receive benefits under that policy. If you have any questions about whether you’re eligible for long-term disability benefits, let us know.

We’ll be happy to sit down and talk with you about your condition, your accident, or whatever it may be. We’ll also talk about your job and your job description, and whether the symptoms you are experiencing based on your condition limit your ability to do your job. Give us a call. Send us an email. And let’s sit down and chat.

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Brandon and his team at Osterbind Law are truly peerless. This is exactly how a modern personal injury firm should operate. The firm is holistic in its approach and thoughtful. It's no wonder why they get such great results for their clients. And no surprise, their clients love them. I've had the pleasure of working with Brandon on a professional level and he levels up, big time. Kudos.
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3 months ago

Very compassionate and knowledgeable people who helped us with our situation. They worked quickly and I can’t tell you how grateful I’m they were so caring. I would recommend this firm to anyone that anyone
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a year ago

The entire team at Osterbind Law are incredible. They communicated with us with every step and process that was happening . They provided the knowledge, support, and empathy to us on the case. And when the curve ball was thrown, they dug in deeper. I have nothing but the highest respect for Brandon and Hannah and the entire team. They made us feel more like a family, than a client.
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a year ago

The staff is caring and very knowledgeable. They help you as quickly as possible, and worked very hard for us. I'm so pleased with the way they assisted us.
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a year ago

Brandon and his team did a great job helping me through my case. I'm so glad I chose him and stuck with him through the transition to his own firm. The staff is very knowledgeable and friendly. They feel like family after all this! Thank you for everything!!Amber J
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2 year ago
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