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Do you qualify for long-term disability coverage?

You likely cannot see a scenario where you would ever not be able to continue working in your career in San Antonio. Thus, during your benefits open enrollment period, you may skip over the section detailing long-term disability coverage. Yet the statistics supporting the need for such insurance can be quite sobering. Per the website, nearly 25 percent of 20-year olds in today's work market will become disabled before reaching the age of retirement. Musculoskeletal and tissue disorders, cancer and injuries or poisonings rank among the top causes of disability. 

Needing long-term disability does not necessarily mean that you are disabled to the point of never being able to work again. shows that most disability periods last just over 34 months. So while the prospect of you returning to work may be there, you still may struggle financially by not having a steady paycheck. 

If you do have long-term disability coverage, the question then becomes do you qualify? If you cannot be cleared to return to work following a short-term disability period (three to six months), then you likely qualify for long-term coverage. What does such coverage entail? It usually will provide you with 50-60 percent of your normal wages up until the point that you are able to return to work or for a predetermined period of time. Consult your policy guidelines for specific details. 

Even in instances where you can return to work (albeit on a limited basis), you still might qualify for continued long-term disability benefits. You are entitled to the full benefit if you are only able to earn up to 20 percent of your previous salary. If you are able to earn between 20-80 of your previous income on your own, your benefit would decrease to an amount proportionate to get you back to you previously made. 

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The Law Office of Jessica Taylor, PLLC

The Law Office of Jessica Taylor, PLLC
14100 San Pedro Avenue
Suite 602
San Antonio, TX 78232

Phone: 210-265-6759
Phone: (210) 402-4022
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