Los Angeles Long-Term Benefits Attorney
Long-Term Disability Benefits for Injured Workers
The state of California does not have a long-term disability program. However, some employers offer long-term disability (LTD) insurance coverage as part of an overall benefits package. Additionally, employees can opt to purchase individual LTD insurance policies to cover themselves in the event that they become partially or totally disabled. If you have LTD insurance, you can seek compensation for lost income/wages if your injury or medical condition prevents you from working.
Long-term disability is separate from workers’ compensation. If you suffer a work-related injury or illness, however, you can file for both workers’ compensation and LTD (if eligible). Our Los Angeles long-term disability attorneys at KJT Law Group can review your case and go over your specific options during a no-cost, no-obligation consultation. We are happy to answer any questions you may have and help you determine the best course of action moving forward.
Call (818) 507-8525 or contact us online to schedule a free initial consultation today. We offer legal services in English, Spanish, and Armenian.
What Is Long-Term Disability?
Long-term disability, or LTD, is a type of insurance coverage that protects workers who may become partially or totally disabled, leaving them unable to work and earn a living for themselves or their families. In some cases, employers provide LTD insurance for their employees, but this is not mandatory. You can elect to purchase an individual LTD insurance policy if your employer does not offer this type of coverage.
If you do not have LTD coverage, either through your employer (or another form of group coverage) or your own policy, you may be able to qualify for Social Security Disability Insurance (SSDI) benefits or Supplemental Security Income (SSI). You may also be eligible for permanent partial or permanent total disability benefits through the California workers’ compensation system.
How Is Long-Term Disability Different from Long-Term Workers’ Comp Benefits?
Long-term disability is a specific type of insurance that covers lost income/wages only. Workers’ compensation benefits, on the other hand, provide compensation for lost income/wages, as well as medical expenses, job placement services, and more. If an employee suffers a job-related injury or medical condition that results in permanent impairment, whether partial or total, they may be entitled to long-term workers’ compensation benefits.
Permanent partial or total disability benefits may be available for the following types of work-related injuries and conditions:
- Repetitive stress injuries and disorders
- Spinal cord injuries and paralysis
- Loss of hearing and/or vision
- Internal organ damage
- Amputation/loss of limb
- Severe burn injuries
- Heart or lung disease
These and other catastrophic injuries can prevent an employee from returning to work at full capacity or at all. Depending on the worker’s “impairment rating” (as determined by their treating physician), they may be entitled to permanent partial disability (PPD) or permanent total disability (PTD) benefits for the remainder of their life. Individuals who receive an impairment rating between 70 and 99% are also entitled to a life pension benefit through the workers’ compensation system on top of PPD benefits.
Learn more about how our attorneys can help you with your long-term disability claim. Call (818) 507-8525 or submit an online contact form today.
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