• David Martin

Long-Term Disability Terms You Should Know: Part II

In a previous article, we took a closer look at some common long-term disability insurance terms and their definitions. At the Martin Law Group, LLC, we want to ensure that you have the tools and understanding necessary to making solid decisions when it comes to your disability benefits. That is why we have assembled another list of terms and defined them all for your benefit and convenience. Read on to learn more!

Attending Physician Statement: The Attending Physician Statement, or APS, is a written report from a doctor that documents the claimant’s past and current health status. Typically, insurance companies use APS reports to determine a claimant’s eligibility to receive benefits.

Concurrent Disability: This term refers to an instance where an individual has more than one injury or disability at one time. Even though there is more than one condition that can cause disability, benefits are typically distributed as if there is only one injury or condition.

Significant Earnings Loss Provision: This provision protects the insured from a significant loss of income if he/she should return to work.

Return to Work Provision: Some disability plans include incentives designed to encourage disabled employees to return to work. The insured person may receive a large percent of pre-disability earnings based on a combination of variables under the provision. Speak to your long-term disability attorney to learn more.

Rider: A rider is any extra agreement that expands upon the limits of a policy’s benefits, conditions, or coverage.

When it comes to ensuring that you receive the disability benefits you are entitled to, you shouldn’t leave anything to chance. Navigating the legal process and jargon can leave even the savviest individuals in a state of confusion. Don’t take any chances with your future: contact a seasoned and knowledgeable lawyer to walk through the process with you. At the Martin Law Group, LLC we have the tools to win your case. If we don’t win, we don’t get paid. Call us today.

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Contact us today for a free initial consultation.

The Martin Law Group is dedicated to being your go-to ERISA attorneys and long term disability lawyers. Whether you are pursuing a long-term disability claim, life insurance benefits, or your pension or retirement benefits, we will meet with you face-to-face to discuss your claim at a location convenient for you. 


In an effort to make disability claims as easy as possible, we offer a free initial consultation. We often work with clients in Huntsville, Mobile, Birmingham, Montgomery, Dothan, Tuscaloosa, and Florence, in Alabama, as well as with clients in Columbus, Meridian, Jackson, Hattiesburg, Tupelo, and Gulfport, Mississippi, and surrounding areas.

Contact us today for a free consultation.

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Tuscaloosa, Alabama 35401
Toll-Free: 800-284-9309
Local: 205-343-1771

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The WSK Building
2323 2nd Avenue North
Birmingham, Alabama 35203
Toll-Free: 800-284-9309
Local: 205-343-1771
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