Eligiblity for Long-Term Disability Benefits
What are the eligibility requirements for long-term disability insurance?
To qualify to receive benefits under a long-term disability insurance policy, the insured must meet the requirements of the policy itself. The policy will have a definition of the word "disabled" or "disability" and your mental or physical condition must meet that definition. In addition, there is almost always a waiting period. That is, you must meet have had the disabling condition for a long enough period that you qualify for long-term benefits under the plan. Finally, the disabling condition must affect your income or some portion of your income.
Of course, it is often difficult to understand the terms of disability policies. The policies are written in language that is unfamiliar to most people.
It is wise to seek the services of a experienced long-term disability insurance lawyer to help you understand and seek benefits under your policy.
