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 our office to speak with an attorney for assistance.