FILING FOR LTD LONG TERM DISABILITY ON THE BASIS OF A MENTAL CONDITION OR DISORDER

Unfortunately, many LTD policies put a cap on the amount of time for which you can receive long term disability benefits on the basis of a mental impairment. In fact, it has been alleged more than once that LTD carriers will attempt to classify an individual's condition as mental versus physical simply to avoid paying long term disability benefits beyond a two-year time frame.

This is why it can be extraordinarily important to have an experienced long term disability lawyer "on board" with you. An Ltd lawyer can do several things to put your claim or potential claim in a better position. The lawyer can review your policy before you file a long term disability claim, simply to gain a deeper understanding of your plan's definition of disability so the plan's requirements for approval have a stronger chance of being met.

Most importantly, however, a lawyer can work to ensure that your claim receives full and proper consideration. In other words, the involvment of an attorney who specializes in long term disability may give the insurer the necessary incentive to review the claim properly.

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 ?