{"id":3243,"date":"2020-07-14T19:24:15","date_gmt":"2020-07-15T00:24:15","guid":{"rendered":"https:\/\/nolfinal.wpengine.com\/?p=3243"},"modified":"2024-01-31T16:45:59","modified_gmt":"2024-01-31T21:45:59","slug":"when-is-a-person-considered-disabled","status":"publish","type":"post","link":"https:\/\/www.nickortizlaw.com\/when-is-a-person-considered-disabled\/","title":{"rendered":"When Is a Person Considered Disabled by a Long-Term Disability Insurance Company?"},"content":{"rendered":"\n

If you possess a long-term disability<\/a> policy, either\u00a0provided by your employer\u00a0or through a\u00a0policy you\u2019ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a copy of your LTD plan from your employer’s human resources department or the insurance company. <\/p>\n\n\n\n

There may be instances where HR or the insurer might delay furnishing you with the necessary documents. If you do not receive a response within a week to ten days, you should follow up with a written letter explicitly requesting a copy of your policy. If you are presented with a summary of benefits, don’t hesitate to request access to the full policy. This ensures that you have comprehensive information about your benefits and obligations under the LTD policy.<\/p>\n\n\n\n

How Does Your LTD Policy Define \u201cDisability\u201d?<\/h2>\n\n\n\n

Every long-term disability policy includes a definition of \u201cdisability.” The definition may be split into \u201ctotally disabled,\u201d which means you can no longer work at all, and \u201cpartially disabled,\u201d which means you can no longer work full-time in your current job.<\/p>\n\n\n\n

It is also important to know that\u00a0your policy will define \u2013 or outline \u2013 exactly what they consider to be your \u201cown occupation\u201d or \u201cany occupation<\/a>. \u201c \u201cOwn Occupation\u201d typically refers to your specific occupation and your essential duties of that occupation, whereas \u201cAny Occupation\u201d typically refers to being able to find gainful employment that is suited for your work experience and education level.<\/p>\n\n\n\n

Proving that you cannot work or that a job is not suitable for your skills will be your responsibility. Using a disability attorney can help with this, but the first thing to do when applying for long-term disability is to read your policy thoroughly. If you have a group policy through your employer, you can request a copy from your human resources department.<\/p>\n\n\n\n

After you read your policy, you can decide if you think you have a case for LTD benefits. When you start gathering information for your claim, include all the information that will \u201cstack\u201d your administrative file. Your administrative file is everything in your case. It includes all the correspondence between you and your insurance company, medical information, doctor notes, and even\u00a0surveillance footage<\/a>.\u00a0<\/p>\n\n\n\n

Legal Representation in LTD Claims<\/h2>\n\n\n\n

Applying for benefits can be tedious.\u00a0The long-term disability process<\/a> involves a lot of gathering information and can be overwhelming to some. If you have questions, you may want to consult an experienced LTD attorney. Although based in Florida, the\u00a0Ortiz Law Firm<\/a>\u00a0represents claimants across the United States. <\/p>\n\n\n\n

If you find that your claim has been unjustly denied or terminated, it may be in your best interest to consult with a long-term disability insurance attorney. You can reach us at (888) 321-8131<\/a><\/strong> to arrange a free case evaluation. Together, we will carefully assess your claim to determine your eligibility for benefits and advise you on the appropriate steps to proceed with the process.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you possess a long-term disability policy, either\u00a0provided by your employer\u00a0or through a\u00a0policy you\u2019ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a copy of your LTD plan from …<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[207,212,209],"tags":[],"_links":{"self":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/posts\/3243"}],"collection":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/comments?post=3243"}],"version-history":[{"count":0,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/posts\/3243\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/media?parent=3243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/categories?post=3243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/tags?post=3243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}