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If You Bought an LTD Benefits Policy or Plan or Have One Through Your Employer, You Should Qualify

Whether you own the policy or plan or have one through your employer, if you can no longer work because of your medical condition, you should qualify for LTD benefits.

That said, every policy or plan is unique. To determine the type and amount of benefits you’re eligible for, let one of our Charleston LTD attorneys review your policy or plan with you.

We understand how your life may have been turned upside down because you can’t work due to your medical conditions. Give us a call to discuss your options.

What are Long-Term Disability Benefits?

If you have a Long-Term Disability policy or plan (whether one you purchased or one made available through your employer), you are entitled to benefits if a medical condition forces you to stop working.

Your condition must be expected to keep you from working the amount of time outlined in your policy or plan in order for you to qualify. As all policies are different, the amount you’re eligible for and the length of time you’ll receive benefits will vary.

If you have any questions about your LTD policy or plan or need help getting LTD benefits because you can’t work, call our office today for a free telephone consultation.

If your LTD benefits are terminated and ERISA applies, you have 180 days to appeal. But do not file your appeal on your own! Call us immediately if you’ve received a letter denying your benefits, terminating your benefits or even threatening to terminate your benefits.