LONG TERM DISABILITY
Long Term Disability will extend beyond your Short Term Disability or FMLA. Generally, there is an elimination period before your policy will go into effect. This can be 90 days or up to 180 days depending on your policy. You may have a LTD policy through your employer. Check your benefits. If you were thinking ahead and purchased a private policy you will be in good shape. If you have an employer and private policy you will be in even better shape. You can make a claim on multiple policies. In some cases, people end up in a pretty stable financial situations when these claims are approved. This will allow you to take the time off from work that you need to recover. I strongly recommend using a professional service to assist you with the paperwork and the process. Insurance companies will do whatever they can to NOT pay you. Below is a link to a service that I personally used and have confidence in. They will take a percentage of your payout, but it is lower than the average for this type of service.
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