A Long-Term Disability (LTD) plan provides income protection for employees who are unable to work for an extended period due to a qualifying illness, injury, or medical condition. LTD benefits typically begin after the employee has exhausted short-term disability benefits or after a specified waiting period. LTD plans replace a portion of an employee’s pre-disability earnings and are paid until the employee recovers sufficiently to resume work or reaches the maximum benefit duration outlined in the plan. The amount an individual receives through their LTD plan will vary depending on the specific plan’s terms.

If your benefits have been denied or delayed by your disability insurer, you may want to seek legal advice. Our lawyers at RLR understand the challenges individuals face when navigating complex LTD policies and claim denials and we are ready to assist.