In a long-term disability (LTD) claim, the “maximum benefit period” refers to the longest period of time a claimant can receive benefits under their disability insurance policy. This is typically stated in the policy as a specific number of years or an age limit, such as “to age 65” or “for 5 years.”
The length of the benefit period can vary depending on:
- The type of policy (individual vs. group)
- The insured’s age at the time of disability
- Specific terms and limitations within the policy
For example, a common maximum benefit period might be until the claimant turns 65 or reaches their Social Security Normal Retirement Age (SSNRA). However, some policies offer coverage for a fixed period such as 2, 5, or 10 years—regardless of age.
Many long-term disability policies also impose limited benefit periods for certain categories of conditions. Even if the overall policy provides benefits for many years, some conditions may only be covered for a shorter period—often just 24 months. These typically include:
- Neuromuscular disorders
- Soft tissue disorders
- Chronic fatigue conditions
- Self-reported symptoms
- Environmental sensitivities
- Musculoskeletal disorders
These limitations can significantly shorten the time you’re eligible to receive benefits, depending on how your condition is categorized in the policy.
It’s important to note that even if you remain disabled, your benefits will end once the maximum benefit period is reached—whether that’s due to an overall limit or a condition-specific restriction. That’s why it’s essential to understand this provision in your policy and how it could impact your financial future if you’re unable to return to work.
