SHORT TERM & LONG TERM DISABILITY ATTORNEYS

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The experienced personal injury lawyers bring justice to our clients who have suffered at the hands of hospitals, insurance companies, and doctors. Contact us today for a free case evaluation. An experienced lawyer will assess your personal injury lawsuit claim and advise you of your legal rights.

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At some point in our lives, many of us will suffer an illness or injury that necessitates being out of work. We may need to recuperate from a sudden illness that left us too weak to function. We might require surgery and a lengthy rehabilitation period following a broken bone. We could be injured in an auto accident or on the job and need time to heal. Regardless of why, many employers and private insurers offer short- and long-term disability insurance policies to provide income while we are away from our jobs.

Our disability attorneys are experienced and knowledgeable in all aspects and all forms of Short-Term and Long-Term Disability insurance. Disability insurance policies can be broken down into either short-term disability or long-term disability. Some policies are offered through employers, which are referred to as group insurance. However, individuals can purchase standalone policies or supplement group insurance policies through their employer’s group plan; ERISA typically governs these plans. Although they each serve a similar purpose, individual disability insurance policies offered through an employer have substantially different rules compared to group disability insurance policies

 

Short-Term Vs. Long-Term Disability

Understanding the difference between short-term and long-term disability benefits is essential. Short-term disability insurance provides benefits to employees who cannot work due to an illness, injury, or childbirth. Short-term disability coverage can range from only a few days to several months and is typically based on an insurance policy.

Long-term disability insurance becomes available when an employee has an injury that will cause them to miss more work than is covered under short-term disability benefits. For injuries that prevent a person from working at their job and at other jobs that may be available, long-term disability benefits are supposed to provide that person with a source of income. 

Long-term disability claims are potentially far more expensive for insurance companies than short-term disability claims. Therefore, most companies will give much more scrutiny, and evaluation to LTD claims. To qualify for long-term benefits, it is essential that employees have evidence prepared in favor of their claims, including medical records and statements from doctors about their inabilities to work.

When Short-Term Leads To Long-Term Disability

At some point, your “short-term” disability may recur or get worse and evolve into a long-term disability. People who are severely or permanently disabled, after receiving benefits from their short-term policy, may pursue long-term disability benefits when going back to work is no longer possible.

When this is the case, you must have a clearly defined record of the disability’s onset. These claims are likely to be much more expensive for the insurer to pay out. It is common practice for many insurance corporations to resort to unfair tactics to deny or delay long-term disability benefits.

Even claims for short-term disabilities may be wrongfully denied to avoid payments. The insurance company will gamble that your condition will improve, and you will return to work and simply forget the claim or hope you’ll give in to the denial. However, the loss of wages, even for a brief time, has a severe impact on your finances. Payments that are rightfully due to you should be paid, even if it is after the fact.

Dealing with a disability, illness, or injury is complex, and you need to devote all your energy to getting better. During a time like this, you most need to lean on the resources at your disposal, including your short-term or long-term disability insurance. If your claim has been unfairly denied, you may have legal recourse. Contact Saffren & Weinberg today for a free consultation.

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Birth Defects & Birth Injuries

Learn about how to distinguish between the two and the different types of birth defects.

Improper Treatment

Learn about the different types of improper treatment and how to determine if you have a case.

Medical Misdiagnosis

Learn how to identify medical misdiagnosis and the different causes of it.

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