Each long-term disability policy is different. Unfortunately, there is no uniform long-term disability policy in the United States. Each policy has different provisions. You should understand what the definition of disability is under your long-term disability policy, what conditions are excluded, when you have to file a claim, how much you are entitled to in benefits, whether or not there are offsets or reductions against benefits, and how long the claim process takes.
Group disability coverage is designed to limit coverage and benefits. That’s why long-term disability policies cost significantly less than a quality individual private disability insurance policy.
Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.