Long-Term Disability Benefits

When illness or injury prevents you from working, long-term disability (LTD) benefits can provide essential financial protection while you apply for Social Security Disability benefits. LTD benefits are designed to replace a portion of your income so you can focus on your health and future. At Cavey Law, we help individuals apply for, protect, and fight for the long-term disability benefits they’ve earned.

What Are Long-Term Disability Benefits?

Long-term disability benefits are monthly payments provided by an insurance company when you cannot work due to a serious medical condition. Unlike short-term disability (STD) coverage, which lasts only a few months, LTD benefits can continue for years—or even until retirement age—depending on your policy.

LTD policies may come from:

• Employer-sponsored insurance (often governed by ERISA)
• Private disability policies purchased individually

What Do LTD Benefits Cover?

Most LTD policies pay between 50%–70% of your pre-disability income. Benefits may also include:

• Continued payments while you cannot perform your job (own occupation)
• Extended payments if you cannot perform any job (any occupation)
• Coverage for physical conditions such as cancer, MS, heart disease, chronic pain, and more
• Coverage for mental health conditions such as depression, anxiety, or PTSD (sometimes with time limits)

Common Challenges with LTD Benefits

While disability insurance is meant to protect you, insurance companies often make it difficult to get or keep benefits. Some common problems include:

• Claim denials due to “insufficient medical evidence”
• Delays in reviewing applications
• Terminations of benefits after a short time
• Hidden policy exclusions or limits on certain conditions
• Requests for repeated medical exams or paperwork

Why You Need an LTD Attorney

Insurance companies are motivated to save money—not pay claims. A skilled long-term disability attorney can:

• Review and explain the terms of your policy
• Gather strong medical and vocational evidence
• Appeal wrongful denials or terminations
• Ensure deadlines are met (ERISA and private policies have strict rules)
• Represent you in federal court if your ERISA claim is unfairly denied

With legal help, you don’t have to fight the insurance company alone.

How Cavey Law Helps

At Cavey Law, we specialize in long-term disability cases. We understand the complex rules under ERISA and private policies, and we know the tactics insurance companies use to avoid paying claims. We combine our legal expertise with compassion—because both Attorney Cavey and Attorney Monaco have seen firsthand how disability impacts families.

Our team works to:

• Protect your rights from the very start of your claim
• Build a strong administrative record for appeals
• Negotiate fair settlements and buyouts when appropriate
• Fight tirelessly for your financial security

Get the Benefits You Deserve

If you’ve been denied LTD benefits, had your claim delayed, or are just starting the process, don’t wait to get help. The earlier you involve an attorney, the stronger your case will be.

At Cavey Law, we turn tough times into triumphs by fighting for the benefits you’ve earned.