A workplace injury can be sudden, severe, and unexpected. In the aftermath of a debilitating on-the-job injury, you may be unable to work for an extended period of time. In the right circumstances, you can apply for employer-provided disability insurance coverage, specifically, long-term disability (LTD) benefits.
LTD is applicable for those with injuries that can prevent work for a year or more. If you are injured, you are likely curious as to how long you could be eligible to receive LTD benefits. While the terms of each case are different, there are some considerations that will help you get an idea of how long your long-term disability benefits will last.
Determine the Length of your Long-Term Disability Benefits
To estimate the length of time you are entitled to LTD benefits, you must review the policy provided by your employer. The Employee Retirement Income Security Act of 1974 (ERISA) requires employers to provide policy-related documents to employees for free. These will include important information for you to review such as:
- The benefit period
- The benefit amount
- Any policy exclusions to note
In general, LTD benefit payment periods can last anywhere from two, five, or ten years. However, there are many factors involved, so you must ensure to read your specific policy thoroughly. Keep in mind that you can also purchase additional private policies to supplement your employer-provided disability insurance.
Get Help Navigating the LTD Claims Process
The process to be awarded LTD benefits are not cut and dry. In fact, it is possible that your claim can be denied. Fortunately, the expert attorneys at Lanzotti & Rau have years of experience navigating long-term disability claims. Our lawyers will help you understand the LTD claim process, compile the necessary documentation, and get you the benefits, and benefit period, you deserve.
Furthermore, Lanzotti & Rau takes no money upfront and charges no attorney bills until you win a settlement – a testament to the motivation and confidence you can expect from our team.
Reliable and Effective Long-Term Disability Lawyers
The lawyers at Lanzotti & Rau can help you pursue legal action to receive compensation for your injury. If you want to learn more about our long-term disability legal services or how we handle our cases, call us today to schedule a free case consultation at 573-335-9300.