When reading your Long-Term Disability policy, pay careful attention to definitions of “disability,” “time limits,” “elimination periods,” “offset provisions,” “mental and nervous limitations,” and “partial disability.” These definitions can vary in each policy, and the definitions determine how decisions will be made by the insurance company in your particular case.
Often times claimants do not understand the specific definitions in their policy. It is important to hire an experienced attorney when you first apply for Long-Term Disability benefits. If you are disabled and would like to discuss your LTD policy and filing a claim ,please call our nationwide phone number at 1-866-540-0677 to schedule a free consultation with one of our attorneys. The majority of ERISA cases are litigated in federal court. If necessary, we can file lawsuits in any state.