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Under group policies, disability benefits are often payable for two years if the claimant cannot perform the duties of their own occupation, and after two years if they cannot perform the duties of any occupation that is reasonably suitable.

Private disability policies may follow this common arrangement, but they can also be quite different. Whether it is a group disability policy or a private disability policy, it is always important to check the policy itself for the specific terms and conditions—as they can vary considerably from this format.

When you are unable to work due to a disability, you deserve timely and full payment of the compensation you are entitled to.

Insurance plans typically include short-term disability and long-term disability benefits. Short-term benefits are available to individuals who sustain an injury or illness that prevents them from returning to work.

Note: the injury or illness doesn’t need to have occurred while at work or as a result of the work.

Benefit entitlements, as well as their duration and payable amounts, are outlined in individual policies. For all policies, your inability to work must be supported by your doctor.

If your application for benefits gets denied, you may have the right to sue. If you have been receiving disability benefits and your insurer terminates your benefits, you may also have the right to sue.

If your claim has been denied, and you want to start legal proceedings, there is a two-year time limit to start a lawsuit against your insurance company. Few people realize this deadline exists, which can lead to the denial of many legitimate claims.

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If you become sick, injured or unable to work for any medical reason, disability insurance protects your income by providing benefits equivalent to a large proportion of your lost income.