Long Term Disability Insurance includes additional features to protect you, including:
Two-Year Own Occupation
For the first 24 months of your disability, benefits continue as long as objective medical evidence (medical records) provide reasonable support that you are unable to do your job. After two years, disability is defined as rendering you unable to perform any job, not just the one you can perform based on your education and training. This may alter the amount of your benefit if you are able to perform some form of work.
In some cases, you may qualify for Rehabilitation Services, which help you return to work.
These services may include:
- Worksite modifications
- Job placement services
- Resume preparation
- Job training
If you die while receiving Long Term Disability benefits, and your disability had continued for at least 180 days, your eligible survivor or estate (if either exist) will receive a lump sum equal to three months of your gross disability payment.