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Long-term Disability (LTD)

Blue-collar and white-collar employees work hard every day just to provide themselves and their loved ones their basic needs. However, once a nagging pain in the back or any work-related disabling condition besets them, it may be impossible for them to continue with their work.

If this happened to you, it is obvious that you may have experienced wage loss that jeopardized your loved ones’ access to the basic things in life.

But then, consider yourself lucky if you became disabled and your employer is able to provide you benefits for long-term disability.

Long-term Disability (LTD)

Long term disability benefits are one of the plans applied to insurance policies that employers provide for their employees. This setup is under the federal law known as the Employee Retirement Income Security Act (ERISA), which states that individuals working in the private industry are covered by voluntarily established pension and health plans.

LTD benefits

Private employers are required to provide their employees long-term disability benefits via private health insurance companies. The benefits can be obtained either individually or by group. Usually, coverage of a certain group of employees is offered through either an employer or a professional group or association.

The coverage for workers eligible for long-term disability benefits only provides wage replacement to individuals who experience loss of wages due to a disabling condition. The said coverage may last for at least a year.


Before a worker can become eligible for LTD benefits, he or she must carry out the tasks of his or her job for a specific period of time. This is called a service wait, and this only happens if the coverage is offered from an employer. If the coverage is offered from a professional organization or association, he or she must be a member of the group for a set period of time.

Claiming for benefits

As it is, you must establish your claim for long-term disability benefits once you have been diagnosed with a debilitating condition that may force you out of work.

As such, your claim must be supported by documents that would serve as evidence. Receiving medical treatment on a consistent basis will help support your claim’s documents, as well as knowing the status of your insurance policy.

The processing of your claim is set up by insurance companies and your employer. However, one prevalent setback in claiming for long-term disability benefits is that you will likely be denied on your initial application. Therefore, it would benefit you if you retain the services of a California long term disability lawyer.

Retaining long-term disability representation

You need to consult with an expert long-term disability lawyer who is knowledgeable in the process of claim preparation and in representing claim denial appeals or termination of benefits.

Here at Social Security Law Attorney, our lawyers have more than 15 years of experience in handling disability claims and representing clients in various state and federal courts including administrative hearings and appeals.

If you want to obtain benefits, be sure to contact Social Security Law Attorney at (866) 998-2545 to speak with a lawyer and schedule a consultation. You may also send an email at  This email address is being protected from spambots. You need JavaScript enabled to view it. for inquiries.

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