It depends on your specific long-term disability insurance policy. Most policies in Washington, D.C., Maryland, and Virginia\u2014especially those from major insurers like Guardian, Hartford, Unum, and Lincoln\u2014set the length of benefits based on your age and type of disability.<\/p>\n
Most policies pay benefits until age 65 if you remain disabled and meet the definition of disability in your policy.<\/p>\n<\/li>\n
If you’re over 60 when you become disabled, some policies may extend benefits past age 65. Most policies limit benefits to 24 months if your disability is due to depression, anxiety, or another mental illness\u2014even if the condition continues beyond that time.<\/p>\n<\/li>\n<\/ul>\n Under most ERISA-governed policies, benefits are typically 60% to 67% of your pre-disability income.<\/p>\n<\/li>\n These benefits continue only if you continue to prove that you’re disabled under your policy\u2019s definition.<\/p>\n<\/li>\n<\/ul>\n Every long-term disability policy has different terms, especially around:<\/p>\n How disability is defined<\/p>\n<\/li>\n How long benefits last<\/p>\n<\/li>\n What restrictions or exclusions apply<\/p>\n<\/li>\n<\/ul>\n That\u2019s why it\u2019s so important to carefully review your policy\u2014and not rely on the insurance company to explain it.<\/p>\n If your claim is denied\u2014or you\u2019re not sure how long your benefits should last\u2014we can help. Our experienced long-term disability lawyers work with clients in Washington, D.C., Maryland, and Virginia to review their policies, build strong claims, and make sure they stay eligible for benefits.<\/p>\n If you want more information on how to prepare for your ERISA long term disability claim, or want to talk it through, call us at 202-393-3320<\/a><\/strong><\/span>. You can also schedule a time to talk by clicking here<\/a><\/strong><\/span>.<\/p>\n
Example: If you’re disabled at 63, benefits may continue until 67.<\/em><\/p>\n<\/li>\n<\/ul>\nMental Health Limitation<\/h4>\n
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Payment Amount<\/h4>\n
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Why Your Policy Matters<\/h4>\n
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Our Long-Term Disability Lawyers Can Help<\/h2>\n
Do You Need a Lawyer for Long-Term Disability?<\/h2>\n