Long term disability covers the period beyond the short-term disability period. In general, it continues until an individual returns to work, reaches age 65 or no longer meets the definition of disability under the benefit plan.
Being disabled means your physical or mental condition stops you from performing most of the tasks of your job. When you apply for long term disability, you will be asked to provide medical information to prove that you are disabled. This medical information is used to determine if your condition is a medical illness covered by your benefits plan.
If your claim for long term disability is denied, this may be due to incomplete information, unclear diagnosis or improper treatment according to the insurer’s standards. You have the right to appeal this decision. Contact Acheson Sweeney Foley Sahota to assist you with this appeal process. We can help you prove that your absence from work is medically justified.