{"id":10746,"date":"2020-06-03T15:17:54","date_gmt":"2020-06-03T19:17:54","guid":{"rendered":"https:\/\/lifehappens.org\/?page_id=10746"},"modified":"2024-07-24T15:20:18","modified_gmt":"2024-07-24T19:20:18","slug":"how-do-i-receive-disability-insurance-benefits","status":"publish","type":"page","link":"https:\/\/lifehappens.org\/disability-insurance-101\/how-do-i-receive-disability-insurance-benefits\/","title":{"rendered":"How do I receive disability insurance benefits?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ make_equal=”on” specialty=”on” padding_top_2=”20px” padding_right_1=”50px” padding_top_bottom_link_1=”false” padding_top_bottom_link_2=”false” padding_left_right_link_1=”false” padding_left_right_link_2=”false” custom_css_main_1=”border-right:1px solid #eeeeee;” _builder_version=”4.16″ inner_width=”90%” inner_max_width=”none” inner_module_alignment=”right” custom_padding=”60px||||false|false” top_divider_color=”#3390ff” top_divider_flip=”vertical|horizontal” top_divider_arrangement=”above_content” global_colors_info=”{}”][et_pb_column type=”3_4″ specialty_columns=”3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”4.16″ custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_button button_url=”\/disability-insurance-101″ button_text=”Disability Insurance 101″ module_class=”button_icon_right” _builder_version=”4.16″ custom_button=”on” button_border_width=”0px” button_letter_spacing=”0px” custom_padding=”0em|0em|0em|0em|false|false” global_colors_info=”{}”][\/et_pb_button][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” header_font_size=”38px” custom_margin=”||||false|false” custom_padding=”||||false|false” locked=”off” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]Before you file a claim for disability insurance benefits, it helps to keep the following three things in mind:[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner disabled_on=”off|off|off” _builder_version=”4.16″ background_color=”#f8f7f4″ custom_margin=”||3.75%||false|false” custom_padding=”3.75%|40px|3.75%|40px|false|false” locked=”off” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700|||||||” text_text_color=”#00c67f” text_font_size=”19px” header_3_font_size=”19px” custom_margin=”||||false|false” custom_padding=”||10px||false|false” locked=”off” global_colors_info=”{}”]1<\/span>[\/et_pb_text][et_pb_text _builder_version=”4.16″ background_color=”#f8f7f4″ custom_padding=”||||false|false” global_colors_info=”{}”]<\/p>\n

You\u2019ll need to meet your policy\u2019s disability insurance definition.<\/strong><\/p>\n

Different policies define \u201cdisability\u201d in different ways, and that will affect if you qualify for benefits. The two most common disability insurance definitions are \u201cown occupation disability and \u201cany occupation disability.\u201d \u201cOwn occupation disability insurance\u201d kicks in when you can no longer perform the job you had when you became disabled while \u201cany occupation disability insurance\u201d only kicks in if you can\u2019t perform any job at all.<\/p>\n

[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner disabled_on=”off|off|off” _builder_version=”4.16″ background_color=”#f8f7f4″ custom_margin=”||3.75%||false|false” custom_padding=”3.75%|40px|3.75%|40px|false|false” locked=”off” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700|||||||” text_text_color=”#00c67f” text_font_size=”19px” header_3_font_size=”19px” custom_margin=”||||false|false” custom_padding=”||10px||false|false” locked=”off” global_colors_info=”{}”]2<\/span>[\/et_pb_text][et_pb_text _builder_version=”4.16″ background_color=”#f8f7f4″ custom_padding=”||||false|false” global_colors_info=”{}”]<\/p>\n

You may be subject to a waiting period.<\/strong><\/p>\n

This waiting period is known as the \u201celimination period\u201d and you can think of it as a deductible measured in time instead of money. The disability insurance elimination period can last anywhere from a few days for short-term disability insurance to two years for long-term disability insurance.<\/p>\n

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It\u2019s best to file your claim ASAP.<\/strong><\/p>\n

That\u2019s because some policies have a deadline for initial claims. Filing in a timely manner also means your payments will start sooner.<\/p>\n

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If your disability insurance is through your employer, you\u2019ll want to contact your company\u2019s human resources department to file a claim. If you bought your policy on your own, you\u2019ll want to contact your financial professional or the disability insurance company directly.<\/p>\n

The process of filing a claim for disability insurance starts with submitting a claim packet. It typically includes a:<\/p>\n