04/13/2026
Long-Term Disability (LTD) approval is an answered prayer that solves a lot of problems, but there is a catch: depending on how your LTD policy is written, you might lose all income from your employer once you leave Short-Term Disability (STD).
Hope and Meaning Counseling sees a lot of STD cases, and most of our clients do receive income, at least a reduced amount if not the full amount. Most of our STD clients go back to work quickly, but occasionally we have some that move from STD to LTD, and that’s when we see their income drop if not disappear altogether.
I know this can be a rough time - you’re waiting for an LTD payment and no money is coming in, you can’t pay bills, and the stress only makes your existing emotional and behavioral health problems even worse. HMC can support you and your LTD claim while you’re waiting on an LTD payment. There are some circumstances that allow us to bill insurance and/or EAP for the time we spend working on your claim with you, but if your insurance company doesn’t allow for reimbursement, then we can hold off on billing until your LTD payment comes through. During the waiting period, most LTD clients will have continued medical insurance benefits, and we will bill your insurance for all counseling and related case management as your policy allows. Worst case scenario, if there is no way to bill insurance during your waiting period, we have interns who can provide counseling and case management support on a pro bono basis. We make sure every one of our clients has a way to access care no matter what the billing situation looks like.
Hope and Meaning Counseling isn’t going to be another source of stress for you. We understand the financial challenges our LTD clients face are stressful enough as it is, and we’re here to see you through it.