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Top Things To Know About Long-Term Disability

Top Things to Know About Long-Term Disability

Do you have a serious illness or injury that leaves you unable to work for six months or longer? You may qualify for long-term disability insurance. Long-term disability could replace a chunk of your income for the months or years you need to recover. In today’s blog, we will be covering the top things you need to know about long-term disability.

What is Disability Insurance?

Disability insurance is a type of insurance that provides benefits to individuals who become unable to work due to an illness or injury. It can be either short-term or long-term, and it is designed to provide a portion of your income while you are unable to work.

What is Long-Term Disability Insurance?

Long-term disability insurance (LTD) is a type of disability insurance that provides benefits for an extended period of time, generally six months or longer. It is designed to replace a portion of your income if you become unable to work due to a disability and cannot return to work for an extended period.

Who Is Eligible for Long-Term Disability Insurance?

The eligibility requirements for long-term disability insurance vary by insurer. Generally, you must be employed in order to qualify for LTD, and you must meet the insurer’s definition of a “disability” in order to be eligible for benefits. In some cases, you may also need to meet a certain amount of creditable earnings in order to qualify.

What Does Long-Term Disability Insurance Cover?

Long-term disability insurance typically covers a portion of your lost wages if you are unable to work due to a disability. The exact amount of coverage and the length of coverage will vary depending on the policy, but usually around 50-70% of your income prior to your disability. Payments are available until you are able to return to work, or until retirement age.

How Much Does Long-Term Disability Insurance Cost?

The cost of long-term disability insurance will vary depending on a variety of factors, including your age, occupation, health status, and the type of policy you choose. Generally, the younger and healthier you are, the lower the cost of your policy will be. Most employer-sponsored plans are either paid 100% by the employer as a benefit, or a portion is paid by the employee via their paystub.

Where Can I Get Long-Term Disability Insurance?

Long-term disability insurance is typically offered through employers but can also be purchased through an insurance agent or broker. If you are offered long-term disability insurance through your employer, you may be able to purchase additional coverage through a private insurer.

What Types of Conditions are Covered by Long-Term Disability?

The specific conditions covered by LTD insurance may vary depending on the policy, but generally, the following types of conditions may be covered:

Musculoskeletal Disorders: These include conditions that affect the bones, muscles, tendons, ligaments, and nerves, such as arthritis, back pain, and carpal tunnel syndrome.

Mental Health Conditions: These include conditions such as depression, anxiety, bipolar disorder, and schizophrenia.

Neurological Disorders: These include conditions that affect the brain and nervous system, such as multiple sclerosis, Parkinson’s disease, and epilepsy.

Cancer: Many LTD policies cover cancer and related treatments, including chemotherapy and radiation therapy.

Cardiovascular Disorders: These include conditions that affect the heart and circulatory system, such as heart disease and stroke.

Respiratory Disorders: These include conditions that affect the lungs and breathing, such as chronic obstructive pulmonary disease (COPD).

Digestive Disorders: These include conditions that affect the digestive system, such as Crohn’s disease, ulcerative colitis, and liver disease.

It’s important to note that each long-term disability policy has its own specific terms and conditions, and not all policies cover all of the conditions listed above. It’s important to carefully review your policy to understand what conditions are covered and what limitations or exclusions may apply. Working with an attorney will significantly simplify the process and reduce the chances of getting your long-term disability claim denied. An attorney can help you prove that your medical condition meets the criteria for long-term disability and can also help you better understand the claims process. An attorney can also help you navigate the appeals process if your initial claim is denied. At Bonnici Law Group, we’re here to help with all your disability needs. Give us a call at (619) 815-7790 or click here to schedule a FREE consultation.

The author, Joshua Bonnici, is the managing attorney at BONNICI LAW GROUP, APC, who represents injured and disabled individuals fight for fair and just outcomes. Feel free to learn more and reach out for a free case evaluation, at:, or at: 619-259-5199.


Disclaimer: while the jokes may be corny and the tone casual, none of the above is intended to be legal advice, and does not amount to any attorney-client relationship. Should you wish to investigate attorney representation, please contact us for a consultation to discuss a possible attorney-client relationship. Thank you!

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