Yes, but policies usually require you to go through the administrative appeal process with the LTD carrier before you can [...]

It is a condition for which you received treatment before the effective date of your LTD coverage. If you become [...]

Sometimes employers offer Life Insurance Waiver of Premium coverage along with the LTD plans. If you have such coverage and [...]

It depends on the terms of the policy. Some policies will allow working so long as you are earning below [...]

ERISA stands for the Employee Retirement Income Security Act of 1974. It governs many LTD policies, but not all of [...]

LTD benefits are usually taxable if your employer paid the whole or part of your LTD premium.

Yes, policies usually provide a full list of the benefits which LTD company will offset against the LTD benefits.

Yes, although many policies will impose an offset.

Some companies will still pay a minimum LTD benefit amount. This minimum benefit could be a set amount, i.e. $100 [...]

Make sure that the policy you signed up for contemplates the offset with SSDI and verify whether the LTD carrier [...]