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You are here: Home / Practice Areas / ERISA Long-Term Disability Attorney / Long Term Disability Glossary of Key Terms in a Policy / What is a “Member of an Eligible Group” in an LTD Claim?

What is a “Member of an Eligible Group” in an LTD Claim?

In a long-term disability policy, a “member of an eligible group” typically refers to an individual who is eligible to participate in a group long-term disability insurance plan offered by an employer or other organization.

The eligible group may be defined in the policy as a certain class of employees or members, such as full-time employees, executives, or union members. To be eligible for coverage, the individual must meet the criteria for membership in the eligible group as specified in the policy.

In group long-term disability insurance plans, the insurer typically provides coverage to all members of the eligible group under a master policy issued to the employer or organization. This type of coverage can provide cost savings compared to individual long-term disability insurance policies, since the risk is spread across a larger group of individuals.

It’s important to carefully review the terms and conditions of a group long-term disability insurance policy to understand who is considered a member of the eligible group, as well as the benefits, exclusions, and limitations that may apply to the coverage.

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