This means that you cannot be approved for LTD benefits until 90 to 180 days after you become disabled. LTD benefits are usually subject to a waiting period of anywhere from 90 to 180 days. This type of insurance is usually available through your employer, or you can buy an individual policy from an insurance company. These benefits are paid on a monthly basis and may last for anywhere from 24 months or until retirement. Long-term disability insurance provides a percentage of your salary (usually 50 to 60%) if you are unable to work due to a disability. Read on to learn more about LTD insurance and how to file a claim with Sun Life Financial. If the company has already denied your claim or is delaying your claim in some way, an attorney can advocate for your rights under your policy. If you have an LTD policy through Sun Life Financial, a New Jersey disability benefits lawyer can help you file for benefits. Unfortunately, insurance companies like Sun Life Financial often deny or delay LTD benefit claims - leaving policyholders without a financial safety net. This type of insurance is particularly valuable for employees, as it can protect your income if you are unable to work due to a disability. Sun Life Financial offers a range of insurance products, including long-term disability insurance. It has the sixth-largest group benefits business in the United States, serving more than 60,000 employers. operations out of Wellesley, Massachusetts. Founded in 1865, this Canadian company bases its U.S. Sun Life Financial is one of the oldest insurance companies in the world. Helping Someone Receive Disability Benefits.Veterans Disability Benefits Calculator.Employment Law / Employment Discrimination.Long-Term Disability Insurance in New Jersey.

Sun life disability insurance