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The basic time frame to decide your initial claim is 45 days, but the regulations allow for extensions, and Cigna can take up to 105 days to decide your long term disability claim.
Generally, your disability benefits will continue as long as your medical condition has not improved and you cant work. Benefits wont necessarily continue indefinitely.
How long can I collect Disability Insurance benefits? You can collect up to 52 weeks of full Disability Insurance (DI) benefits, or the amount of wages in your base period, whichever is less.
Disability benefits from a long-term disability insurance policy you buy on your own are not taxed, and the benefit payments you receive help you recover most of your income. However, disability benefits are subject to tax if your premiums are paid by an employer or from your paycheck before it has been taxed.
The most you can receive is 52 weeks of DI benefits, for your own non-work-related illness, injury, or pregnancy.
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Long-term disability insurance has an elimination period of at least 90 days. After that, benefits are paid for a longer term, typically, two years, five years, 10 years, to age 65, or for life, depending on the policy.
If your provisional income is more than the base amount, up to 50% of your social security disability benefits will usually be taxable. However up to 85% of benefits will be taxable if your provisional income is more than the adjusted base amount.
You must report as income any amount you receive for your disability through an accident or health insurance plan paid for by your employer: If both you and your employer have paid the premiums for the plan, only the amount you receive for your disability thats due to your employers payments is reported as income.
You will receive a Form 1099G by mail for the most recent tax year during the last week of January. If you received Unemployment Insurance benefits, became disabled, and began receiving Disability Insurance benefits, you can also access your Form 1099G information in your UI OnlineSM account.
Short term disability is intended to cover you immediately following a serious illness or injury, and long term disability insurance is intended to maintain income replacement if your condition keeps you out of work past the end of your short term disability benefit period, even to retirement, depending on your plan.

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