If you become unable to work for a substantial amount of time due to illness or injury while you are insured, the long-term disability benefit (LTD) provides you with a monthly income replacement. It is proven that employees who have had an early and gradual return to work have more of a complete recovery with fewer long term conditions. At Access Legal Services, we specialize in cases where individuals have been denied these long term disability benefits. We still make efforts to assist you even if you’ve been previously denied. When should you apply for LTD?
You should apply for LTD benefits when your condition prevents you from going to work. You need to submit an application for LTD benefits within a specified time or it will be denied. Please review your policy carefully.
If you require assistance with completing the application or you have been denied benefits please call us or email us.