When an individual suffers with a disability – whether due
to an accident, physical illness or mental health condition –
and cannot work, a disability insurer can and should help in their
recovery. Unfortunately, this is not always the case.
Many people are covered by group insurance policies set up by
their employer, which commonly offer short-term disability (STD)
and/or long-term disability (LTD) benefits contain specific
information about coverage– including the definition of
'disability', the amount of the monthly benefit, and any
limitations to overage, among other things. It's important that
you read through your policy to ensure you're aware of, and
understand, the scope of coverage.
