All Short Term and Long Term Disability benefits are governed by the Policy language. Whether you have The Hartford, Lincoln Financial, CIGNA, etc., a Policy will exist that governs the definition of disability as well as the length and the amount of your benefits....
Once you are approved for Long Term Disability (LTD) benefits, the LTD insurer will ask you to apply for Social Security (SS) benefits. LTD does this because it wants SS to share the burden of paying you, and it allows LTD to reduce your monthly benefit....
If you pay into or your employer provides a Short Term Disability (STD) or Long Term Disability (LTD) Plan and your treating doctors support your inability to work, you should apply for these benefits. When you apply for STD/LTD benefits, the insurer will need to...
When you apply for either short-term disability (STD) or long-term disability (LTD) benefits, it’s not a guarantee that you will be approved. While you may pay into this insurance policy, the insurer reserves the right to deny your benefits. When should you get a...