How insurers define disability

Individuals who have long-term disability (LTD) insurance policies should know they need to thoroughly understand how the system works to easily access their benefits. One of the basics of LTD is how insurers understand the word “disability.”

Though how insurers define the word “disability” may vary, it often revolves around the concept of a person’s incapability of doing something to generate his or her income due to an illness or a physical injury. Policyholders should note that some insurers may give benefits to disabled people only if they became disabled doing their current job. Other insurers give benefits to disabled people who cannot do any kind of job. For those who are considering applying for LTD benefits, it is highly advisable that you review the terms of your policy so you have the coverage you deserve.

The Indiana attorneys of the Hankey Law Office strongly believe many disabled LTD policyholders are wrongfully denied of their benefits. If you think this is happening to you, we can offer you legal assistance to help you get the benefits you need. Call us today at (800) 520-3633 to learn more.