How Long Does Long-Term Disability Last in Arizona?

Aug 24, 2020 | Long-Term Disability

If you are considering applying for long-term disability or are already receiving them, you may be wondering how long will they last in Arizona. In general, it depends upon your disability and whether or not you are eligible to receive other types of benefits.

What Is the Termination Date for a Long-Term Disability Policy?

The termination date for most long-term disability policies can last up to your Social Security Retirement Age (SSRA), or age 65 to 67 depending on the year you were born. You will receive benefits that cover your medical care and income as long as you are disabled and continue to pay premiums.

When Should You Use Long-Term Disability?

Long-term disability is different from short-term disability (STD) and Social Security Disability (STD).
STD is designed to last between three and six months. Long-term disability covers you for disabilities lasting longer while waiting for SSD coverage. SSD requires you to wait for at least five months of being on disability for you to apply, so LTD helps you make it through this transitional phase.

Who Can You Talk to for Legal Advice?

An Arizona long-term disability lawyer can provide you with the solid footing you need while navigating the complexities of receiving disability benefits. Contact Ronstadt Law – Arizona Disability Attorneys for your free consultation today by calling 602-615-0050 or sending us a message through our contact form.


Hi, I’m Erin.

My life’s calling is to hold insurance companies accountable for the promises they make.

My law firm focuses exclusively on Arizona disability benefits law and we’d love to help you out.

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How Long is Long Term Disability?

How Long is Long Term Disability?

One of the questions we get asked frequently is how long does long-term disability last? It is not a question with an easy answer, unfortunately – in terms of the physical disability, it could last for a lifetime – in terms of your insurance coverage, it could be anywhere from a handful of months to many years, or up to a particular age, such as Social Security Normal Retirement Age. It depends on your insurance policy terms and the nature of your illness or injury. Here’s everything you need to know about long-term disability.

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