What Happens to My Long-Term Disability Benefits If I Lose My Job?

At Bartolic Law, we understand that losing your job while receiving long-term disability (LTD) benefits can be a challenging situation. It raises concerns about the continuation of your benefits, the possibility of seeking alternative forms of assistance, and the implications of finding new employment. In this blog post, we aim to address these concerns and provide guidance on navigating this complex scenario.

Understanding Long-Term Disability Benefits

Long-term disability benefits are designed to protect a portion of your income when you are unable to work as a result of a medical condition. Insurance companies play a crucial role in managing claims and determining eligibility for these benefits. When you are covered by your employer’s long-term disability policy and become disabled while employed, the benefits will typically continue even if you lose your job. It is important to review your policy to understand the specific terms and conditions.

Options for Claimants

If you find yourself in the situation of losing your job while receiving LTD benefits, there are several options available to you:

• Continuation of Benefits – In most cases, as long as your disability began while you were still employed and covered by your employer’s long-term disability policy, your benefits will continue. This continuity provides financial stability during a challenging time.
• Exploring Other Forms of Assistance – You may also consider seeking assistance through Social Security Disability Insurance (SSDI). However, it is crucial to note that receiving SSDI benefits can impact your existing long-term disability benefits. Before making any decisions, consult with an attorney experienced in long-term disability claims to understand the potential consequences and navigate this process effectively.

Continuing Medical Treatment

While on long-term disability benefits, maintaining your medical treatment is vital. This is not only important for your health but also for substantiating your claim. Insurance companies will generally monitor your medical progress and treatment adherence. They may stop benefits if it appears that you’re not following prescribed treatment or if your condition appears to have improved to the point of being able to return to work. If the loss of your job affects your medical insurance and ability to continue treatment, it’s important to explore options like Medicaid, Medicare, or health coverage through the Affordable Care Act marketplace. Seeking counsel from a legal professional may also be beneficial in understanding your options and rights.

Navigating the Transition to New Employment

Finding a new job while receiving LTD benefits can have implications for your existing coverage. It is essential to handle this transition carefully to ensure minimal disruption to your benefits. Legal representation can play a vital role in protecting your rights and ensuring a successful transition. An attorney experienced in long-term disability claims can assist in negotiating with insurance companies, addressing potential concerns, and advocating for your best interests throughout the process.

Contact an Experienced Attorney

Losing your job while receiving long-term disability benefits can be overwhelming, but remember that you have options. Whether it is continuing your benefits, exploring alternative forms of assistance like SSDI, or finding new employment, Bartolic Law is here to provide guidance and support. Our experienced attorneys will work tirelessly to protect your rights and help you navigate this challenging situation. Contact us today for a consultation.