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If you鈥檙e navigating a long term disability insurance claim鈥攚hether it鈥檚 through your employer (an ERISA policy) or a private individual disability insurance (IDI) policy鈥攜ou may be feeling overwhelmed. The process can be confusing, time-sensitive, and emotionally draining. Choosing the right disability insurance law firm can make a real difference in how smoothly your claim is handled and how well your benefits are protected.

While both Social Security Disability and Long Term Disability benefits are designed to provide income in the event of a medical disability, the programs differ in at least five different ways: (1) the way they are funded; (2) the standards of disability; (3) the eligibility periods; (4) the benefit amounts; and (5) the claim and appeal processes.  

Below we expand on the five key differences between Social Security Disability and Long Term Disability benefits. 

Introduction

Many people assume that they can relax once their long term disability (鈥淟TD鈥�) claim is approved.  While it鈥檚 true that winning your long term disability claim is a big hurdle, it doesn鈥檛 mean you鈥檙e entirely in the clear.  Over time, your LTD insurer will continue to re-review your file and demand proof of your ongoing disability.

LTD insurers use a number of ploys to justify cutting off your benefits after your claim is approved.  Below, the NYC long term disability attorneys at Riemer Hess will discuss the five most common tactics used by LTD insurers to terminate long term disability benefits.

Tilt Table Tests for Long Term Disability

When filing for long term disability, you may consider testing options such as the tilt table test to help bolster your disability claim.  But how do you know if the tilt table test is right for you?

Your insurance company will demand strong medical proof of your inability to work in order to approve your disability benefits.  While this may not be as much of a concern for easily evidenced disabilities, certain conditions are harder to prove than others.  This is where a tilt table test may be beneficial for your disability claim.

The tilt table test results can provide strong evidence of conditions that cause dizziness and/or syncope (the medical term for unexplained fainting).  Below we鈥檒l discuss what the tilt table test is, what it involves, and how it can help get your long term disability claim approved.