What are some common long-term disability policy terms?

Although each individual policy has unique terms and requirements, there are four general criteria an long-term disability policyholder must meet to qualify for benefits:

  • The claimant has a serious physical or mental condition;
  • The condition in question is expected to last for at least one year or longer;
  • The condition in question impairs the claimant’s ability to perform the duties of their current job;
  • The claimant is up-to-date on paying their policy premiums.