Long Term Disability Insurance

Long Term Disability Insurance is a valuable employee benefit that many employers provide. It is also a complex, confusing, and frustrating area of insurance law that most lay people, and many attorneys, do not understand. There are short time limits for submitting information, strict requirements regarding the information you must submit, and confusing standards that the insurance company applies to determine whether you are disabled. Many times, it seems that the insurance company’s primary goal is to deny your claim.

Do not be fooled, the insurance adjuster is not your “friend,” regardless of how pleasant or nice they may be. Their goal is to find a way to deny your claim and possibly use their phone calls and emails with you to assist them in denying your claim. Be very, very careful in your dealings with insurance adjusters.

The type of law that applies depends on the type of insurance policy you have and, in many cases, the identity of your employer. An oppressive Federal law known as “ERISA” governs some long term disability insurance policies. Other long term disability insurance policies are governed by state law, which creates much broader recourse and leverage to people who have this type of insurance.

Things to Consider When Purchasing Long Term Disability Insurance

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