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Long-term Disability

billionphotos-913565_256x256If you are living with a long-term disability, you know how devastating it is to lose the ability to support yourself and your family. If you are lucky, you may have enough savings to keep you above water for a few months, but few of us have enough resources to provide on-going support beyond the short-term.

Your long-term disability insurance benefits are supposed to be your protective parachute for just this kind of situation. These benefits are specifically designated for your long-term support when you are unable to work. In too many cases, unfortunately, profit-driven insurance agencies manage to reduce or even terminate the payments that beneficiaries like you are entitled to. This is why it is important to have a knowledgeable professional on your side, to protect your rights.

Ralph Wiser, Attorney at Law, is a long-term disability insurance law expert with decades of experience and success. If your full, fair claim has been rejected, or if you just need a consultation about your long-term disability insurance benefits, contacting Wiser to engage his knowledgeable and supportive assistance is a positive step towards satisfaction and peace of mind.

Ralph Wiser offers invaluable expertize about all aspects of long-term disability insurance, including the following:
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  • Definition of disability — Different policies have various thresholds that define disability. For example: one policy may pay if you cannot perform the duties of your normal occupation, while another may pay only if you cannot work at all, in any job.
  • Partial disability — If your disability limits your employability to jobs that pay much less than your previous employment, if your policy contains a partial disability provision, your insurance benefits should be adjusted proportionally.
  • Payment trigger date — This is determined by the required waiting period before you become eligible for benefits.
  • Waiver of premium — Most insurance policies contain a waiver-of-premium provision that eliminates your premium payments if you are disabled for longer than 90 days.
  • Residual benefits — Some policies offer a partial benefit if you are able to work but are limited in your duties due to your disability.
  • Length of coverage — Many policies only pay benefits for a limited period of time, i.e. 2–5 years, or until you reach the age of 65.
  • Presumptive disability — In cases of loss of sight, speech, hearing or use of limbs, it is sometimes possible for you to collect payments even if you can still work in some capacity.