JOHNSON OUTDOORS Benefit Election Form Long Term Unum

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[Music] hi I'm Greg Dell with attorneys Dell and Shaffer and today's disability question is how long does unum long term disability lasts and Steven I think this is an excellent question because every policy is written different differently which you're going to talk about in a minute but also it really doesn't matter in a sense how long the policy is because just because you get approved doesn't mean you're staying on it and talk about first why just getting approved doesn't mean you're gonna get the maximum duration under the policy so giving approved is the first step of a disability claim it's an important vital step because there are a lot of denials on the initial application but just because you're approved doesn't mean that younam's not going to continue to review request updated information you know put your in a video surveillance speak to your doctors they're gonna investigate your claim to make sure that basically each month you are entitled to those benefits and they ever