Can I File a Long-Term Disability Claim After Age 65?

Does a disability prevent you from working? You may be entitled to private disability benefits. If you receive long-term disability coverage from an employer, your claim/appeal is regulated by a federal law called the Employee Retirement Income Security Act (ERISA). Under ERISA regulations, an insurance policy should include a “schedule” of benefits. It may be possible to qualify for private long-term disability benefits after you turn 65. Here, our Chicago long-term disability lawyer explains the key things to know about your rights to file for long-term disability benefits after you turn 65 years of age. 

Your Disability Policy Will Typically Have a “Schedule” of Benefits

A long-term disability (LTD) policy typically lays out a “schedule” of benefits, which is essentially a comprehensive outline of the coverage you are entitled to based on specific circumstances. The schedule of benefits will typically explain when benefits begin, how long they last, and any limitations or restrictions based on factors such as age, type of disability, or cause of disability. It is crucial to thoroughly read and understand this section of your policy because it directly determines the benefits you could receive, especially as you age. 

Most Policies Provide Benefits Up to Retirement Age at the Latest

It is a common misconception that LTD benefits extend indefinitely. However, the fact is that most policies provide benefits up until the policyholder reaches the full retirement age, typically around 65 or 67, depending on the policy and jurisdiction. These age limits exist because LTD insurance is designed to replace a portion of your income when you are unable to work due to a disability.

A Person Who Becomes Disabled After 65 May Receive a Set Number of Months of Benefits

Should you, unfortunately, become disabled after age 65, your LTD policy may still provide some coverage, but it is typically for a set number of months rather than until the full retirement age. This limited coverage is usually between 12 and 24 months, although it can vary significantly based on your specific policy. These benefits can serve as a crucial buffer while you transition to retirement income sources or Medicare for your medical expenses. If you have specific questions or concerns, an experienced Chicago, IL long-term disability lawyer can help. 

Contact Our Chicago, IL Long-Term Disability Attorney for a Free Case Review

At Bartolic Law, our Illinois long-term disability lawyer is a devoted and results-focused advocate for clients. If you have any questions about filing for disability benefits, we are here as a legal resource. Contact us now for a free initial appointment. With a law office in Chicago, we handle long-term disability claims and appeals throughout the wider region.