Long-term disability (LTD) coverage is an important employee benefit that is often overlooked. Generally, LTD picks up where a short-term policy ends, which is usually 3-6 months following a disability. Generally, it will cover 60% of an employee’s salary until he or she can return to work and if one is found totally disabled, the policy may pay an employee up to their Social Security retirement age. Every LTD claim is policy specific and there are both LTD cases governed the Employee Retirement Income Security Act (ERISA) (policy was bought via your employer) and those that are not (policy was bought as a personal policy). In many cases, a LTD policy may include the requirement of filing for Social Security Disability Insurance (SSDI). Feel free to contact us to discuss the interrelation between the LTD and SSDI claims. At Mignini, Raab, Demuth & Murahari, LLP, we will gladly assist you in analyzing your case!
In some cases, our firm may associate another attorney/law firm to your case. You may also be referred to another attorney/law firm with comparable experience and reputation.