When you need to apply for long term disability, the formal process takes some time, especially if the Massachusetts court adjudicators are backed up. While the process varies based upon your employer and medical situation, you can expect it to take up to 6 months. Your disability lawyer can help you understand the disability adjudication process and may be able to help you with any appeals or paperwork submissions that you need to do for your case.
Determination of Disability
The first task of a disability claim adjudicator is to determine whether or not you are completely disabled. The adjudicator is typically a physician or a team of nurses and physicians. The adjudicator may take into account your physical limitations and how they relate to the type of work you do.
Determination of the Benefit Period
The adjudicator must also determine the disability benefit period. In Massachusetts, most people can continue to receive long-term disability benefits until they reach the age of 62. After this, social security benefits take over the disability payments.
Determination of the Qualifying Period
Another task of a disability claims adjudicator is to determine the qualifying period for your disability. Most long-term disability claims require that you will be permanently and completely disabled for more than one year and that you are incapable of doing paid work. The adjudicator may consider time periods when you had a partial disability.