Most companies have short term disability plans which run for six months and then convert to long term disability plans which may have different provisions. A common provision which one sees is a “specific occupation” plan which runs for 24 months and then converts to an “any occupation” plan which may furnish benefits to age 65 if one is 100% permanently and totally disabled. These plans are generally used for non-work related injuries or medical conditions. If contested as to whether the injury is a work injury or not, the plan may still pay. The terms do vary from plan to plan and the above is simply a generalization of some of the more common provisions in a plan or contract for insurance. To answer questions in any detail, an attorney will need to be furnished with a copy of the policy to read through it to see what the provisions are as set out in the plan.

Attorney D. Russell Thomas has over 28 years, and Attorney Herbert Schaltegger has over 10 years, of experience in pursuing long term disability actions on behalf of injured workers. If you have been injured while in the course and scope of your usual employment, please contact us for a free case evaluation.

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