Long Term Disability LTD

---

• Can I sue the LTD company?
• What is a “pre-existing condition”?
• What is Life Insurance Waiver of Premium?
• Can I still work and collect LTD benefits?
• What is ERISA?
• Are LTD benefits taxable?
• Are there any other benefit offsets?
• Can I collect Worker’s Compensation benefits and LTD benefits at the same time?
• I collect SSDI and my SSDI benefit is higher than LTD benefit. Can I still collect LTD?
• I already spent my SSDI backpay. Now I received a letter from LTD company asking for that money. What do I do?
• I have been receiving LTD benefits. Now I was awarded SSDI backpay and LTD company wants that money back. Is it legal for them to do that?
• Can I collect Social Security Disability Insurance (“SSDI”) benefits and LTD benefits at the same time?
• How much does long-term disability pay?
• Until when are LTD benefits paid?
• What is the difference between long-term disability (“LTD”) and short-term disability (“STD”)?