In addition to government benefits from Social Security, you may have purchased an individual disability insurance policy, or received disability insurance coverage through your employer. Most disability insurance replaces some or all of your income, and can provide other benefits, if you lose income due to a covered disability. This page focuses primarily on long-term disability insurance. However, it is important to understand the different types of disability insurance coverage. For example,
- Short-term disability (“STD”): STD insurance replaces all or a percentage of income if you can’t work due to a covered disability. Typically, STD benefits are payable for 180 days (6 months) or less. While STD coverage can be purchased individually (through insurance companies like Aflac), it is often provided as an employment benefit.
- Long-term disability (“LTD”): LTD benefits replace all or a percentage of income if you can’t work due to a covered disability. LTD coverage can be purchased individually (individual coverage), or earned as an employment benefit (group coverage). LTD group coverage can be provided through plans that are fully funded by your employer. These self-funded plans are often administered by third-party administrators (“TPA”) like Sedgwick. LTD group coverage can also be funded and administered by policies of insurance. LTD insurance policies may be issued by companies such as MetLife, Unum / Provident / Paul Revere, The Standard, Aetna, Cigna / Life Insurance Company of North America, Hartford, Reliance Standard, Assurant, USAA, Prudential, Liberty Mutual, or Northwestern Mutual. LTD benefits from individual coverage usually start 60 to 180 days after the date of disability. LTD benefits from group coverage usually begin 180 days after the date of disability. Commonly, people who receive LTD coverage as an employment benefit also purchase their own individual policies for added coverage. In addition, some retirement pension plans provide a disability retirement benefit.
- Life insurance waiver of premium: Many Life insurance policies include a waiver of premium benefit. With this benefit, your life insurance coverage will continue without premium if you meet the definition of disability in the policy.
- Long-term care: Long-term care coverage pays some or all of the cost for personal care and board in the event that you are partially or totally unable to care for yourself. This coverage is often purchased individually, but it could be provided as an employment benefit.
Health insurance: Health insurance covers all or a portion of the cost of your medical treatment. A fortunate few work for employers who will provide continued health insurance to disabled employees so long as they are disabled. Most people will eventually lose employer sponsored group health insurance coverage if they become disabled. The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that gives workers the right to continue to participate in their employer’s health plan, for a limited period of time, if you pay the premiums. If you are no longer eligible for health insurance coverage through your employer, or through group health insurance through a spouse’s employer, then you may need to explore purchasing your own health insurance coverage, applying for Medicare, or both.« Return to the ERISA & Insurance Litigation Resource Center
- What Is a Social Security Offset?
- What Is Disability Insurance?
- What Do You Do If Your Benefits Have Been Wrongly Denied?
- Do You Have Disability Insurance Coverage?
OUR CLIENTS LOVE US, AND SO WILL YOU. SEE WHAT CCK CLIENTS HAVE TO SAY.
- It has been one of the best legal experiences that I have personally encountered. Their follow up and their follow thru has been on perfect terms. Wow, they have given me a celebrity experience! Impressive! Read More »
- These people are FANTASTIC!!! I highly recommend this firm to Veterans everywhere. Honest Legal Help like this is priceless and they are extremely skilled. So Satisfied with the results...5 stars!! Read More »
- I cannot begin to say how grateful I am to this Firm. From the Class A staff to the Lawyers, there are no complaints. Everyone treated me fantastic!! After 30 yrs of fighting on my own, they were able to win my case in less than 15 months. Read More »
- My case was initially rejected by the VA but with the thorough review by CC&K , the VA agreed with the case that CC&K made and awarded my initial rating of 30% retroactive to 1975. Read More »
- We had struggled for eight plus years, with the VA, and got nowhere. Our case was sent to CC&K and in less than one year, we were they won all his back pay and 100% rating. We could not be more pleased. We highly recommend this firm for anyone struggling with the VA. Read More »
- I thought I could go it alone. I filed several disability claims through the VA only to be denied over and over again. I knew I needed help. I found that help with the law firm of Chisholm Chisholm & Kilpatrick. They filed for me and won. Read More »
- I'm so glad we sought the help of CCK on my husband's VA claim. We had been going back and forth with the VA for 5 years on his claim without seeing any progress. Then we found CCK and the case was resolved in about a year! Read More »
- I was fighting for my VA disability compensation for 10 years. I was ready to give up and then CCK took my case. I immediately felt at ease because they kept me informed every step of the way and there was so much less stress for me. Read More »