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When to apply you should apply as soon as you become disabled. As soon as you believe you meet the eligibility criteria for ltd benefits, promptly notify your insurance company and your employer’s human. Some people receive it for two years, others for much longer.

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Use the “available benefits worksheet” to keep track of the waiting period to. Social security disability insurance (ssdi) benefits have a five month waiting period, which means that benefit. Before your ltd benefits start, you must satisfy an elimination period, which is the longer of either 182 days from your date of disability or the exhaustion of std benefits.

Virtually all ltd policies require you to wait anywhere from three and six months before benefits begin.

Notify your insurer and employer: As you will be disabled and unable to work during this time, it is important to plan now.

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