One of the most common questions we receive is, “Can I be fired while I am out of work for disability?” When it comes to qualifying for long-term disability (LTD) insurance benefits, the key factor is whether your disability began before your employment was terminated. As long as your disability started before you were terminated, you will still receive benefits regardless of the termination. The critical date is when you became disabled and stopped working.
For instance, if you became disabled on March 24 and started receiving benefits on April 15, but your employer fired you on May 1, you should still receive your LTD benefits. However, if you were fired on March 24 and then filed a claim for disability with an onset date of March 25, you might not qualify for benefits. If you are fired while on disability leave, you may have a separate employment claim for wrongful termination.
What Happens If My LTD Benefits Are Terminated After I’m Fired?
You must first check your policy. As stated above, you should be eligible for benefits if you were disabled before being terminated and met the policy’s eligibility requirements. Contacting an LTD insurance attorney who can help you navigate the process with the insurance company would be a good idea.
Contact a Long-Term Disability Attorney
Although based in Florida, the Ortiz Law Firm represents claimants across the United States. It’s important to note that most long-term disability attorneys do not get paid until you do, so you can proceed with your case without fear of upfront legal bills or costs.
If you’d like to speak to an experienced long-term disability insurance attorney about your denied claim, call us at (888) 321-8131 to schedule a consultation. We can help you evaluate your claim to determine if you will be able to access long-term disability benefits and how to move forward with the process.
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