Many employers offer long-term disability insurance coverage to their employees.  The policies can be purchased through the employer usually at a discounted premium rate; similar to health insurance.

Usually, if a person suffers from a medical or several medical conditions, not related to a work accident (worker’s compensation), the person would need to apply for short-term disability first.  This policy usually provides coverage for a few weeks to several months.  Once this coverage is exhausted, the person would need to apply for long-term disability coverage if they are still unable to work.

Disabled Definitions

The definition of disabled is found within the insurance policy.  Some policies provide that a person is disabled if they cannot return to their last held employment position.  So, if you are say a welder and you suffer a stroke and cannot hold the welding equipment due to arm weakness from the stroke, then you could receive long-term disability benefits if the policy provides for just your last employment position.  Some policies, however, provide that in order for a person to be found disabled they must not be able to return to their last employment position or their own occupation.  Own occupation can be defined as the trade, business or profession involving material and substantial duties as the last employment position.  This second definition is more broad.

If you have been denied long-term disability insurance benefits, please contact Wickward Law Office for a free consultation.