Does my injury or illness have to be work-related to receive long-term disability?


The simple is “No.” The injury or illness can be related to anything. It doesn’t have to be work-related; however, if one has a pre-existing injury, the insurance policy will not allow for benefits for pre-existing injury if the disability occurs during a certain period of time. So, it’s a very critical issue, in the case of the pre-existing injury, as to what period of time the disability begins.

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