A Guide to Aetna Benefits for Long Term Disability

Aetna is one of the largest health insurance companies in the United States. It offers a variety of plans to those who are medically-needy and their coverage can be found through many different providers.

The aetna employee benefits 2020 is a guide to Aetna benefits for long term disability. It aims to provide information that will be useful for those who are considering applying for long-term disability through Aetna.


If you don’t work in a hazardous environment, you may not believe that long-term disability insurance is something you’ll ever need. The bulk of long-term disability claims, on the other hand, have nothing to do with the work. For example, Aetna benefits are intended to compensate for “some” missed earnings “if you get injured or ill and are unable to work.”

What Are Aetna’s LTD Insurance Benefits?

Aetna’s exact benefits differ from one insurance to the next. However, there are some similarities.

Aetna payments cover a part of your lost earnings and are paid out on a monthly basis if your long-term disability claim is accepted. The amount given is based on your normal wages and may be lowered by any other disability income, such as workers’ compensation.

Aetna benefits for individuals covered by long-term disability insurance vary based on the claimant’s particular circumstances. Older claimants, for example, are limited in the amount of time they may receive benefits.

Aetna’s long-term disability plans pay up to 67 percent of your wages, or up to $10,000 in monthly benefits. These quantities are only available as part of extended plans. Some plans’ standard benefits are capped at 60% of earnings, or $8,000.

Aetna also has a Work Solutions Program Team that may work directly with your employer and health professionals to help you go back to work when you’re ready. This team’s goal is to assist policyholders in understanding and following their doctor’s instructions so that they may return to work as soon as possible. Aetna benefits also include training for a new employment if the policyholder is no longer able to return to their previous work.

What Is Aetna Insurance and How Much Does It Cost?

The cost of Aetna coverage varies based on the kind of coverage you desire and your income or pay.

Most long-term disability policies, according to Insure.com, cost more than $2,000 per year. The fee is often between 1% and 3% of your entire income. However, the policyholder’s age, health, gender, smoking status, and place of employment may all influence the amount paid.

Insurance policies with fewer coverage options are likely to be less costly. This implies that although selecting an insurance with a more narrow definition of disability may save you money, it may also leave you uninsured if you ever need to file a claim.

1631369429_885_A-Guide-to-Aetna-Benefits-for-Long-Term-DisabilityWhat is the duration of Aetna’s long-term disability coverage?

Benefits from Aetna are available for up to five years or until the claimant achieves retirement age, whichever comes first. The duration of payments is also determined by whether or not the claimant’s impairment resulted in hospitalization.

If a claimant is confined to a hospital for a period of time, Aetna, for example, provides a 90-day extension of coverage. The coverage lasts as long as you pay for it, supposedly. This implies that a single policyholder may need to submit several disability claims.

What Factors Go Into Determining Aetna Eligibility?

Just because your company offers Aetna coverage doesn’t guarantee you’ll be able to obtain long-term disability benefits quickly or easily. Disability coverage should kick in whenever a policyholder is unable to work; nevertheless, the reasons for that incapacity to work are important in determining whether or not your claim will be accepted.

The first step in establishing if you’re covered is to look up the definition of impairment in your insurance. Aetna defines two kinds of disabilities: long-term disability and short-term disability. Long-term disability is described as “an disease or injury” that prevents a person from working for an extended period of time. This incapacity to work may not apply to all kinds of job, but just to the type of work you’re doing now.

According to Disability Secrets, the primary obstacle you’ll have to overcome to establish your eligibility for Aetna long-term disability benefits is a doctor’s decision. Your doctor will be required to submit a form or make a statement about your condition as part of your application for coverage. You will also be required to submit medical documents to demonstrate that your injury or sickness can be objectively proven.

Claimants must be full-time employees, cannot have been treated for a prior ailment within a few months of filing, and must wait through a “elimination period” before receiving coverage. Exclusions apply to disability caused by alcohol or drug use, including usage that causes a vehicle accident.

Those with COVID-19 symptoms who file a disability claim may have to fill out additional documentation.

Disability Appeals Process at Aetna

If your Aetna disability claim is rejected, you may request a review, according to the company. The appeals procedure may be started in one of two ways: over the phone or via the mail.

Aetna has an online complaint form that may be sent. The following information must be included in all appeals:

  • Name
  • Name of the employer or sponsor (group name)
  • ID number of a member
  • More evidence in support of the appeal

According to Aetna, the period to appeal a rejection is usually 180 days from the day the claimant receives notice of the denial; however, certain plans have alternative deadlines, which are included in the Summary Plan Description.

The time it takes Aetna to reply to an appeal is determined by state legislation, the urgency of the case, and if the disability insurance plan has more than one level of appeal.

Once the appeals procedure has been completed, claimants are also entitled to an external assessment of their rejected disability claim, according to Aetna’s website. The rejection may be reviewed by an outside physician under Aetna’s External Review Program. According to the insurance, the external review procedure takes around 30 days. The claimant must complete the External Review form provided with their appeal rejection letter to begin the review.

Claimants should consult a competent disability attorney before starting the appeals process with Aetna, according to experts. Insurance firms find it simpler to reject complicated claims and incomplete applications. Furthermore, a lawyer may assist in ensuring that Aetna follows the appropriate processes.

Aetna is a health insurance provider that offers a variety of benefits. One of the benefits that they offer is long-term disability insurance. This article will provide you with some information about what this type of coverage entails and how to apply for it. Reference: aetna employee benefits login.

Frequently Asked Questions

What is the average long term disability premium?

The average long term disability plan premium is $5,000 a year.

What does long term disability usually cover?

Long term disability typically covers the cost of living expenses for a person who is unable to work due to an illness or injury. The amount of time that someone qualifies for long term disability varies, but it could be up to 5 years.

How do I calculate benefits and premiums for long term disability?

This is a complicated question. There are many factors to consider including your age, your health, and how long you have been disabled for.

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