Requirements necessary before receiving LTD payments

Indiana workers covered by long-term disability (LTD) insurance sponsored by their employers should know there are some requirements they need to fulfill before they can start receiving payments.

LTD beneficiaries must be considered full-time employees, working 30 to 35 hours per week, before the onset of their disability. When experiencing a disability, workers may initially receive short-term disability payments. They have to wait for those benefits to end and can file for LTD benefits if they are still disabled. Some LTD policies do not honor applicants who became disabled due to a pre-existing medical condition, which means policyholders cannot file for LTD benefits if their disability results from a condition they had before being covered by LTD insurance. Lastly, the specific disability must be included in the coverage; workers may not receive LTD benefits if their disability is not listed in their policy.

If you can no longer work, thoroughly reviewing your LTD policy is critical before you apply for your benefits. However, if you are in such a situation in Indiana, an attorney of the Hankey Law Office may be able to work for you. Discuss your situation with us today by calling (800) 520-3633 to learn more about your options.