Yes, age is absolutely a factor in most long-term disability (LTD) claims. From how long benefits are paid to how disability is defined under the policy, age can influence key aspects of your claim.
Reaching the Maximum Age For Benefits
Most LTD policies don’t offer benefits for life. Instead, benefits typically end at a set age—usually age 65 or your Social Security Normal Retirement Age (SSNRA), which can range from 65 to 67 depending on your birth year.
Some policies make exceptions. For example:
- If you become disabled after turning 60, your policy may guarantee a minimum benefit period (often 12 to 24 months), even if you reach retirement age during that time.
- A few plans offer extended coverage beyond SSNRA in certain circumstances, but this is less common.
Always check your policy’s “Maximum Duration of Benefits” section to confirm your specific cutoff date.
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Transitioning from “Own Occupation” to “Any Occupation”
Age also becomes relevant during the change in definition of disability—a common provision in group LTD plans.
Most policies apply an “Own Occupation” definition of disability during the first 24 months of a claim. To qualify, you must be unable to perform the material and substantial duties of your own job due to a medical condition.
After 24 months, many policies shift to an “Any Occupation” standard. At this point, the insurer evaluates whether you can perform any job you are reasonably suited for based on:
- Education
- Training
- Experience
- Age
- Physical and mental capacity
Courts generally interpret this language to mean that if you’re capable of performing any type of work, even something outside your usual career path or income level, your LTD benefits may be terminated.
Importantly, the insurer doesn’t need to prove a job exists or is available—only that you’re capable of doing it based on your profile.
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Why Age Matters in These Assessments
As you get older, your ability to transition to new work often diminishes:
- You may not have the stamina or capacity to learn a new job.
- Your prior work experience may not align with what’s considered “any occupation.”
- Some jobs may be unrealistic given physical limitations common with age.
Because of this, age can sometimes work in your favor when an insurer is assessing whether you’re capable of performing other occupations. A younger claimant may be expected to retrain or transition more easily; an older claimant may not.
Need Help Understanding How Your Age Affects Your LTD Claim?
If you’re facing a claim denial or a change in disability definition, it’s critical to understand how your age—and your policy’s language—affects your claim. The Ortiz Law Firm can help you navigate this process and protect your rights under the plan. Call (888) 321-8131 to schedule your free case evaluation today.
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