The employees may become disabled due to several reasons. It can happen at any age and the company has to look after the employee when his or her time is tough. In an event of a work-related injury, the worker is eligible for compensation.  In addition to this, disability can occur due to a medical condition or an illness that a person may develop as he or she ages. If the worker becomes disabled and may not be able to work for a long time, he will have to face a drastic financial crisis. The good news is that some LTD benefits have been designed for such people.  It is important to understand the conditions that qualify for LTD. 

Long-term disability options for employees

• The employer may buy LTD insurance for the employees as a part of benefits or a self-insure this kind of program. The disability benefits are governed by the ERISA.
• The employee may receive disability benefits as a part of worker’s compensation. These benefits are available for temporary, permanent, long-term, and short-term disabilities. These benefits can be availed if the disability has occurred during the course of the employment.
• There are some disability benefits for those employees whose families have limited sources of income and have worked for enough time period.

It is imperative to get in touch with an attorney who can go through your condition and situation. He can give you the right options when it comes to LTD.

Getting the benefits

The benefits for disability depend on the type and severity of the disability. In order to get them, you will need to fill up a form and process it with the right bodies. In many cases, the employer may refuse to offer the benefits or limit them.  Denying these benefits is quite common in various organizations leaving the disabled person helpless. That’s why it is strongly recommended to get in touch with a lawyer who can assess your options and make the right steps.

An employment lawyer may ask for the documents to prove your disability such as medical reports and your medical history from a licensed health care provider. You must get in touch with a few of them to become familiar with all your options. 

While filing your case, you should also look at the list of medical conditions that qualify for long-term disability. An attorney can also help you with these details.