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Most long-term disability policies provide that you will be paid benefits for 24 months if you meet the definition of disability and you cannot perform your "own occupation." After 24 months the definition of disability changes to "any occupation," meaning that you will only be paid if you cannot perform "any occupation."

(Note, these definitions do vary, policy to policy. Fax or email us if you live in Virginia and we will look at your policy for free and give you our analysis. Call us for the special fax and email contact information.)

We have handled over 1500 long-term disability cases and, an extensive analysis of our files reveals that if you are getting paid a disability benefit the most likely month that your benefits will be terminated is on the 21st month after payment started.

When will your long-term disability policy be terminiated after you have been denied?Why Will Your Benefits Be Terminated Early?

It is simply because the insurance company can save three months of payments. Multiply that by thousands of claimants, nationwide, and you can see how this affects insurance company profits.

The company knows that because of the change in definition at 24 months you will probably:

  1. Have a hard time finding a lawyer willing to take a chance on your case; and
  2. Just give up.

Don't give up. Read our free book on Virginia long-term disability claims to learn more about these cases and what you can do.

Why BenGlassLaw? 

  • We file more disability appeals and lawsuits claims that any other firm in our region. (Source: Pacer, the official government site for Federal Court lawsuits)
  • When we get you back on claim, we stay with you for the life of your claim and proactively manage your ongoing benefits - it's never you v. the insurance company again. At the end of 2021, we had $33 million in future disability benefits under management for our clients.
  • In 2021 and 2022, we recovered over $3 million in wrongfully denied disability benefits (we get money for the client in over 90% of the cases that we accept for representation).
  • When we represent you in a claim that has been denied, we only get paid if we win. 
  • We help people all over the country, using local counsel when required, at no additional charge to the client. We believe that disability claimants should have access to the right attorney for them, no matter where they live.
  • Our reviews speak for themselves.
  • Ben Glass has taught attorneys all over the country about ERISA processes and education. He is a subject matter expert in the industry.
  • We give free resources because our passion is empowering the sick and injured to make great decisions about their insurance claims. Download Ben's book - a comprehensive disability claim guide here. 
  • Has your disability claim been denied? We offer free denial letter reviews - send us your letter and our highly experienced team will give you a complimentary and confidential strategy to move forward.
Ben Glass
by Ben Glass
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Ben Glass is a nationally recognized ERISA disability & life insurance attorney in Fairfax, VA.