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The terms of your long term disability policy will heavily influence the outcome of your claim. The policy serves as your primary source of rights with respect to your benefits, but it also sets forth many obligations that you must satisfy.  You should thoroughly review your policy before going out on long term disability, filing your claim, or filing an appeal.  Understanding your policy's terms will substantially increase your chances of success. 

There’s a lot to consider, and you need answers.  We can help.  Below you'll find the important terms found in most long term disability policies.  You'll also find numerous tips and best practices for taking advantage of your policy provisions. 

As the COVID-19 pandemic continues, you may find it challenging to file a short- or long-term disability claim or appeal within the prescribed deadlines. Thankfully, many ERISA long term disability deadlines have been suspended amid COVID-19.  This is a tremendous help because COVID-19 may make it difficult to gather the medical evidence needed to support your claim or appeal. Even with telemedicine appointments available from some providers, getting an appointment scheduled can be hindered due to office closures, reduced hours, and staffing reductions. Some providers may not have any available appointments at all.

COVID-19 has created significant uncertainty surrounding group short and long term disability insurance benefits.  Get answers about from NYC's top long term disability attorneys below.