If you’re over 50 and facing a long-term disability that prevents you from working, you’re not alone. Many claimants in this age group find themselves navigating the complex intersection of long-term disability (LTD) insurance and Social Security Disability Insurance (SSDI). The good news: your age can work in your favor.

LTD policies are full of legal and insurance jargon. This language may seem innocuous at first, but it can significantly impact whether your claim is approved, denied, or terminated later. Knowing the most important keywords in your policy can help you navigate the system more confidently, avoid costly misunderstandings, and better advocate for your rights.

Filing for long-term disability (LTD) benefits can feel like stepping into a waiting game. One of the most common questions claimants ask is simple on its face: How long will this take? The answer is often more complex and depends on several variables, from the responsiveness of your doctors to the complexity of your condition.

One of the most common and frustrating hurdles in a long-term disability claim arises when your physician doesn’t support the way you believe your disability should be documented.

Getting approved for long-term disability benefits is a critical financial lifeline, but it doesn’t necessarily mean you’ll never return to work. Some claimants regain partial function or explore part-time roles. In many cases, LTD policies allow limited activity. But returning to work, even in a reduced or modified capacity, can create legal risks that many claimants don’t anticipate.