What Is The Elimination Period On A Long Term Disability Company Ltd Claim?

The elimination period for a long term disability claim can be thought of in many different ways, but it can be explained in this manner. It is the period between the time that a disability begins and the point at which long term disability payments may commence.

The individual filing for ltd benefits must remain disabled during this period and, obviously, a claimant will not receive ltd payments during this time. The long term disability elimination period, of course, is analogous to the five month waiting period for social security disability claims.

Why does the elimination period even exist? Long term disability insurers build this into a long term disability policy or plan to account for the period in which STD, or short term disability, benefits may be paid.

For what length of time will a long term disability elimination period last? Elimination periods for Ltd are often six months, though they can be any length of time an ltd carrier chooses.

Additional Questions and Answers

• Why do long term disability insurance companies unfairly deny so many claims?



• How can having a long term disability attorney help you win your ltd case ?



• Can you apply for social security disability and long term disability benefits at the same time ?



• What if you file for long term disability benefits on the basis of a mental condition or disorder ?



• When should you get a long term disability attorney for your LTD claim ?