Long Term Disability Program in Massachusetts

Long Term Disability (LTD) in Massachusetts is a program that allows you to receive regular income when you are disabled. It protects you and your family by providing a steady income while you are recovering from injuries or illness.

A Stronger Case for Long-Term Disability Claims

Being severely injured is stressful because it can cause depression and even prevent you from getting back to work. If you are not able to work for a long time, you may want to apply for long-term disability. This process doesn’t have to be difficult if you are proactive and take these steps.

Strategies for Filing Long-Term Disability Claims

If you are ever injured and it prevents you from working for an extended period of time, you may be entitled to some long-term disability benefits. The process of claiming these benefits may be lengthy and arduous, so it’s important to consider these tips when applying for them.

Long Term Disability Benefits In Massachusetts For Teachers

Teaching might be a relatively risk-free profession but it does not mean that you are safe from any accident while performing your work. Fortunately, some states have a specific long-term disability benefit for teachers, and one of these is the state of Massachusetts.

Understanding Your Long-Term Disability Insurance Plan

Long term disability (LTD) insurance is an insurance product that an individual can purchase to help cover certain medical expenses in the event they become disabled. LTD plans are often offered through an employer’s benefits package and can either be paid completely by the employer or employee, or shared by two parties. It’s not mandatory to purchase these plans.

An Employer's Responsibility to the Employees

In the state of Massachusetts, it is the responsibility of employers to guarantee to a reasonable degree the health and safety of their employees while they are working. This does not just apply to employees in high risk professions like warehouse workers, factory workers, or engineers. Regardless of the working environment, the safety of employees should be foremost on employer's minds.

If an injury was caused as a result of a failure on the company’s part to protect their employees, an employee can take legal action to recoup lost earnings and other damages. Work-related injury in the state of Massachusetts is defined as any injury or any sickness that takes place while the individual is involved in his or her work duties. This includes injuries that happen when a person is working at the office, at a remote location, or while traveling.

The most common work-related injuries are connected with heavy lifting, trips and falls, repetitive movements, and injury caused by machinery. Employers are responsible for minimizing these accidents by doing the following:

• Maintaining and regularly checking the safety of all machines
• Minimizing irritants such as dust, noise, and fumes
• Providing employees with protective clothing
• Reporting diseases and injuries to the necessary authorities
• Having sufficient first-aid kits and supplies available
• Assessing the risk of fire and floods

When an employer fails to provide proper protection, and as a result an employee is injured, the employee may be entitled to financial compensation for his or her injuries and lost wages.

Long-Term Disability Claims in Massachusetts

Being incapacitated for a long time is something no worker ever wants to happen to them. To help the workforce cope with long-term disabilities, states have federal long-term insurance disability (LTD) benefits provided for eligible citizens. 

Why Long Term Disability Claims Get Denied

The higher body governing the screening of all long-term disability (LTD) claims is the federal law known as ERISA, or the Employee Retirement Income Security Act. Under the ERISA, claims administrators working with insurance companies are put in charge of evaluating LTD applications, who have the final say on whether they’ll let an application pass through. There are various reasons for a claim to be axed, with some of the most common as follows: 

How to Prove a Long-Term Disability

It’s hard enough to get involved in an accident that leaves you incapacitated, and it gets harder when you aren’t able to provide income to your household because you’re unable to work. To remedy this, the Long Term Disability program aims to replace your income after an injury renders you unable to work, care of Massachusetts’ Group Insurance Commission and insured by Unum.