As a Greater New Orleans disability attorney, I have had quite a few people approach me with the following scenario: I applied for and was granted long-term disability benefits under my employee benefit plan. I also applied for Social Security Disability. While I was waiting for a Social Security Disability decision, the LTD insurance paid…
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You have been receiving long-term disability benefits for about 12-18 months and then you receive a letter from the insurance company that says something like this: According to the provision of your group policy, in order to be eligible for LTD benefits you must meet the following definition of disability: Total Disability or Totally Disabled…
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As a Louisiana disability lawyer, I have been asked to explain the difference between short-term disability benefits and long-term disability benefits on more than one occasion. This is my attempt to explain the differences and similarities as briefly as possible. Short-term disability insurance is designed to pay you benefits quicker and for a shorter period…
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If you have long-term disability insurance through your work, and you have received long-term disability benefits under that policy, you need to be aware of the disability offset provisions. Most likely, your disability policy contains language that allows the long-term disability insurance company to deduct (or offset) any amounts you receive from other sources for…
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Following up on our 9 part series of What You Need To Know Before You File Your Long Term Disability Claim, here is a list of 8 Actions You Should Do (plus 1 you shouldn’t) Before You File For Long-Term Disability Benefits: 1) READ your long-term disability insurance policy; 2) TALK to your doctor about…
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