Hi, my name is James Miller. This is attorney Brian Bronson and this is Legal Tip Tuesday with Quatrini Law Group. We’re going to talk a little bit about long-term disability. It’s a plan that you’ve probably heard of, you see in your work documentation, but it’s distinct, Brian, from the other types of insurance people may be more familiar with. So, let’s tell them a little bit an overview of long-term disability.

Sure. We get a lot of calls about long-term disability. It’s not about being on a disability claim for a long period of time. Uh long-term disability is a contractual benefit. So, it’s something that you get by working for an employer and the employer has a contract with a disability insurer to provide benefits if you’re disabled due to any cause. Unlike workers compensation where you have to be injured at work or personal injury where you have to be involved in some type of negligent situation or a car accident, long-term disability can pay for disabilities such as something from a cancer treatment,

chemotherapy. It can also pay for an injury that occurs at home. It’s not necessarily tied to your work even though the benefits usually are provided by an employer through an employer sponsored long-term disability plan.