Harlan Still & Koch

Common limitations in long-term disability insurance policies

If you are dealing with a long-term disability that you have recently acquired, it is likely that this has significantly affected your career prospects. You may not be able to work to the same capacity and efficiency as you did before, and it is likely that this will affect your ability to earn an income.

It is important that you learn more about the benefits that you could be subject to as part of your work contract. Many employers cover all their workers with long-term disability insurance so that they are protected financially if they are affected by disability. There are usually some limitations to these insurance plans; therefore, it is a good idea to read the terms and conditions so that you know what to expect. The following are some of the most common limitations.

You will be limited in the amount of income you will receive

It's likely that you will not be able to recoup 100% of your previous income through this insurance. Instead, you should expect to be able to gain between 50% and 70% of what you previously earned.

You will not receive payments forever

Long-term disability insurance payments usually last between five and 10 years and stop when the claimant turns 65.

You need to be working for a certain length of time

In order to claim long-term disability benefits, you will need to have previously worked full-time and for the employer in question for a certain amount of time.

If you are worried about how you will cope financially because of your long-term disability, you should explore your options for making a disability benefits claim.

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Harlan Still & Koch

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Columbia, MO 65201

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