Understanding the “elimination period” in long term disability plans

Disabled workers who have decided to file for their long term disability (LTD) benefits should understand that they have to wait for a certain period of time before they start getting their benefits.

Applicants will almost always have to deal with an “elimination period” between the time the disability begins and the time at which patients will be eligible for benefits. During this waiting period, disabled workers may not be able to receive any payments; depending on the LTD plan, this period may last anywhere from three to six months. Applicants are often forced to use up all of their sick days in order to keep income from jobs during the wait period, as short-term benefits do not often last the entire duration of the elimination period.

Unfortunately, many disabled workers are significantly inconvenienced, to say the least, by these lengthy elimination periods. If you are struggling to gain access to the disability funds you need, contact an Indiana attorney at the Hankey Law Office today by calling (800) 520-3633.