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…

In Hamilton v. Standard Insurance Company, the Fifth Circuit Court of Appeal upheld the insurer’s decision to deny long-term disability benefits to a disabled worker.  In this case, a phone company employee submitted a claim for long-term disability benefits alleging MS, fibromyalgia, and Lyme disease.  The long-term disability insurer denied the claim and the Court’s…

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…

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…

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…