This will depend on the specific terms of your policy. Most group LTD policies have an own occupation period (often 24 months) and an any occupation period that usually goes to age 65. With greater frequency we are seeing policies that have a much shorter maximum time-frame, such as 5 years. To be sure you must check the terms of your specific policy.
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DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.