Your Employer’s Short Term and Long Term Disability (LTD) Plans’ Definition of “Total Disability”
An employer often offers a disability plan to employees to help cover wages in the event of a medical problem that prevents the employee from working. Some plans are paid for by the employer and others are at the expense of the employee. If you have a disability plan through your employer, check the definition of “total disability” to be sure that you will be covered in the event you cannot do your job full time. A policy that won’t pay if you are able to do part time work will likely not benefit you.
If you are not sure that you have a policy in place or if you cannot understand the policy, you can ask your employer for information or call The Law Office of Malyuk McDaniel Kasper LLC to speak with an attorney for assistance. 330.929.9700.