What happens to my LTD benefits after 24 months?

What happens to my LTD benefits after 24 months?

The 24-month mark is significant in long-term disability (LTD) claims because of a provision known as the “change of definition of disability.”

Upon initial approval of your LTD claim, you will have met the insurance company’s definition of total disability, meaning that you are unable to perform the essential duties of your “own occupation” due to your illness or injury.

In most disability policies, the definition of total disability changes at the 24-month mark from “own occupation” to “any occupation.” This means that in order to continue to receive LTD benefits, you must be totally or substantially disabled from the duties of any occupation for which you have the necessary education, skills or experience.

Many disabled individuals have had their LTD benefits terminated at the change of definition point. Has this happened to you? Perhaps your medical specialists have provided clear reports evidencing that you do meet the “any occupation” definition of disability, but your insurance company continues to claim that you have transferrable skills that will allow you to re-enter the workforce, albeit at a menial job with significantly less pay. They may deny your appeals and try anything to convince you that they aren’t obligated to pay you benefits after the 24-month mark.

Contrary to what your insurance company is telling you, the experienced disability lawyers at our firm have proven success winning claims that have been terminated at the change of definition point. All it takes is one phone call to our client service department to receive a free, no-obligation consultation with one of our lawyers.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you.

We have recently settled cases with The Co-operators, Sun Life, Manulife, Unum Canada and RBC Insurance.