By 
If you’re unable to work because of a serious illness or injury, one of the first questions you may have is, “How long will my long-term disability (LTD) benefits last?” The answer depends on the terms of your individual insurance policy, but understanding the typical benefit periods can help you plan for the future.
Long-term disability insurance is designed to replace a portion of your income after a disabling condition prevents you from working for an extended period. Unlike short-term disability coverage, which generally lasts only a few months, LTD benefits can continue for years-and in some cases, until retirement age.
Most long-term disability policies specify a benefit period, which is the maximum amount of time benefits will be paid as long as you continue to meet the policy’s definition of disability. Common benefit periods include two years, five years, ten years, or until age 65, age 67, or your Social Security retirement age. The benefit period you receive depends on the coverage you purchased or the benefits offered through your employer.
It’s important to understand that benefits do not automatically continue until the end of the benefit period. You must continue to satisfy the policy’s definition of disability. Many policies initially consider you disabled if you cannot perform the duties of your “own occupation.” After a certain period-often 24 months-the definition may change to an “any occupation” standard, meaning you must be unable to perform the duties of any occupation for which you are reasonably qualified by your education, training, or experience.
Insurance companies may periodically review your claim by requesting updated medical records, physician statements, or other documentation. If they determine that you no longer meet the policy’s definition of disability, they may terminate your benefits before the maximum benefit period expires.
Certain policies also limit benefits for specific conditions. For example, many LTD policies cap benefits for disabilities caused primarily by mental health conditions or substance use disorders at 24 months, although exceptions may apply depending on the policy and applicable law.
Because every policy is different, carefully reviewing your insurance contract is essential to understanding how long your benefits may last.
If your long-term disability benefits have been denied, reduced, or terminated before you believe they should have ended, an experienced disability attorney can review your policy, evaluate your claim, and help protect your right to the benefits you deserve.
Comments