What are long-term disability benefits and why would I be entitled to them?

This video explains the essentials of long-term disability (LTD) benefits, which are provided under insurance contracts for individuals unable to work due to a disability. To qualify for LTD benefits, you must demonstrate that your disability hinders you from performing your own job. After two years, the criteria typically shift, requiring proof that your disability prevents you from working any job suitable for your education, training, or experience. Most LTD policies are structured to offer benefits until the age of 65 for those who remain continuously disabled. For further assistance, consider reaching out to Preszler Injury Lawyers or call 1-800-JUSTICE.

Insurers often take the position that if people recover and are able to get back to work, they will push for a graduated return to work or a work hardening plan to try to get you off their books. Their idea is that they can prove you are able to ease back into things after the two-year mark. They take the position that there is a job out there for everyone and that it is simply a matter of retraining.

The challenge for people is to prove how their disability prevents them from working day after day, week after week, and month after month. Many people may be able to get through a day, but they struggle when having to juggle the totality of the demands of the job.