Long-Term Disability Claim: What You Need to Know About Benefits, Appeals, and Legal Support

Long-Term Disability (LTD) Insurance: An Overview

Long-term disability (LTD) insurance is a type of coverage that pays an individual directly, replacing their income when they are unable to work due to an injury or illness. 

What Does LTD Insurance Cover

Individuals typically qualify for long-term disability insurance when they are unable to work or perform their current job duties. Listed below are some cases in which one may qualify for LTD. 

• Severe back injury due to an accident
• Additional time when recovering from surgery
• Chronic pain caused by an injury
• Loss of a limb caused by an injury

Understanding Reduced Disability Benefits

Under certain conditions, a disability claim that was initially approved could be terminated. Listed below are common reasons why your disability benefits may be reduced or terminated. 

• Time limit – Typically, after 24 months, the insurer terminates disability benefits. This is because the individual would then have exceeded the allotted timeframe.
• Conditions improve – Once an individual can engage in activities that demonstrate they no longer require assistance, their benefits will be reduced or terminated.
• Finished medical treatment – Additionally, an individual’s disability benefits will be terminated if they stop seeing their doctor, who is providing them with treatments.

The Financial Implications of Reduced Benefits

When long-term disability benefits are reduced or terminated, the financial impact on individuals and their families can be substantial and challenging, as these benefits are often their primary source of income. There can be an increase in emotional strains on the individuals affected, which can trigger anxiety, depression, or stress-related illnesses. 

What to Do If Your Disability Benefits Are Cut Off

The reduction or termination of disability benefits can cause a financial or emotional strain on one’s daily life. It is essential to understand your rights and take the necessary steps to receive compensation. When this occurs, you must review the letter of termination, and depending on your specific policy, you may have a strict deadline to file an appeal. Additionally, you must acquire relevant and essential documentation to file a claim. This includes the following: 

• Insurance policy
• Medical records
• Communications with your insurer
• Termination letter

It is also essential to have an experienced attorney by your side who can ultimately assist you with the challenges of appealing a termination regarding LTD benefits. Attorneys can help with the following: 

• Build a strong appeal
• Take legal action

How KAASS LAW Can Help

Navigating the challenges of reduced benefits can be financially and emotionally straining for an individual. Being aware of your rights and taking the following steps is crucial in receiving compensation. At KAASS LAW, we understand the importance of receiving benefits. Our experienced attorneys can help you protect your rights and obtain the justice you deserve. We will provide you with the following: 

• Legal guidance based on your situation
• Clear and concise communication throughout the entire process

Conclusion

Long-term disability insurance is crucial in guiding you during difficult times. The termination of these benefits can leave individuals feeling financially strained. It is essential to understand your rights and take legal action to ensure you receive the necessary support to facilitate a complete recovery. If you or someone you know has had a reduction or termination of benefits, don’t navigate this alone. Contact KAASS LAW for a confidential consultation today.