Do I have to be unable to work to file a long-term disability claim?


Well, there are two definitions for long-term disability in the typical policy. The first definition for disability is “inability to do the job that was being done at the time the disability occurred.” Typically, that period of time is 24 months.

If the individual is disabled to the extent that he/she cannot do his/her job during that 24-month period, then he/she should be entitled to the long-term benefits for that period of time. However, after the 24-month period, typically the definition changes to “inability to do any work at all.” So, that’s a much harder standard to prove. Some individuals are disabled for 24 months but not disabled thereafter.

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