Short and Long Term Disability is a benefit that is paid to qualifying individuals when they become sick or injured and are not capable of returning to their past job. These benefits are usually a percentage of a person’s pre-disability income from that job.
Many times people have been paying for these benefits for years and do not even realize that they can qualify when they can no longer work.
Remember, the insurance companies are independent from your employer and have a financial interest in denying your application for benefits. Your employer may want to help you and work with you, but the insurance company may not be similarly motivated.
Short and Long Term Disability is normally a private benefit provided by or through your employer and can also be purchased individually.
Why you should consult an attorney if you are initially denied Short or Long Term Disability Benefits:
Common mistakes made by claimants:
What we can do for you: