Glossary of Terms

A report from your employers detailing your occupational information. This may include the essential duties of your position and what’s normally expected of you.

The initial period after a new employee is hired when they are not eligible to enroll in the group benefits program. This is a waiting period before the employer can access health benefits as well usually.

An evaluation to examine your physical and mental abilities by reviewing medical documents, occupational information, and conducting an interview.

A test to objectively determine your ability to do certain routine tasks. The results are used by your insurance company to see if you are eligible to receive long-term disability benefits.

Future benefits you may be entitled to in a long-term disability claim or a long-term disability lawsuit.

The process of appealing your long-term disability claim denial by arguing against the decision directly with the insurance company. They will dictate the terms and deadlines of the appeal.

A standard legal form that articulates the party’s claims, introduces several authorities, states the facts, and contains an argument for the action being taken.

Insurance that serves as an income replacement for when you’re out of work for a long period of time. This is not limited to physical issues as many insurance providers also cover mental health issues such as post-traumatic stress disorder (PTSD) and bipolar mood disorder.

The maximum amount of time that long-term disability benefits are payable.

A standardized test or procedure to assess how well different areas of your cognitive function are working.