Navigating Short Term and Long-Term Disability Claims
Being disabled brings a lot of emotion and stress. Trying to navigate that on your own is troublesome and tedious. When short term disability claims are denied, it causes serious concerns for a potential long-term claim down the road. It is very important to successfully file your short-term disability claim.
Short term disability plans and long-term disability plans are an insurance benefit often provided by employers to employees if they are injured or ill and cannot work. Insurance is a business much like any other business. The idea is to be profitable. While paying out short term benefits to individuals can be expected, long term payouts are not always predictable and are a strain on the insurance company’s profits.
Many short-term disability plans are administered by long term disability plans. By handling short term claims, the insurance company gets the benefit of learning about potential long-term risks quicker, gathering information to deny a long-term claim later or to prevent a long-term claim by cutting off the short-term disability for a technical issue earlier. Since many people do not hire attorneys until they have been rejected, the damage is usually done before the person gets to the attorney. This gives the insurance company an upper hand that is not fair to the injured worker. Often, once you are on long term disability, you continue down the path to filing for Social Security Disability to mitigate their losses.
The best time to contact our offices before you have filed a claim for benefits, but it is most important to work with an attorney when you are receiving short term disability if you even possibly may end up in a long term disability situation. Obtaining and keeping benefits will be much cheaper than fighting to obtain or appealing a loss of benefits.
If you need assistance with applying for social security disability or appealing a social security matter, please give RICK STOCK LAW a call for a free consultation.