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Short Term Disability Claims
The first step in the Long Term Disability claim process is to pursue a claim for Short Term Disability benefits. Often this will be through one’s employer, and can either be self-funded by the employer, or through a state mandated program. The strategy will be to provide medical support for how and why one is unable to perform their occupation.
Helping people navigate the Short Term Disability process is an extremely important aspect of pursuing a claim for Long Term Disability insurance benefits, as this time frame is considered by the insurance company when evaluating one’s eligibility for Long Term Disability insurance benefits. Working with an experienced disability insurance lawyer at this early stage of the claim process is often helpful in successfully pursuing claims for both Short Term and Long Term disability benefits.
When short term disability insurance claims are denied, there are serious implications for filing a long term disability claim. For this reason, it is very important to ensure the successful filing of the short term disability claim, and the completion of the short term disability claim.
The relationship between the two is simple. Employers provide employees with short term disability insurance benefits if they are injured or become ill and cannot work. In some states this is mandated by law. In many cases, the employer is “self-insured” for short term disability – that is, the company itself pays any short disability claims for its employees by itself. Other companies purchase short term disability insurance policies for their employees from an insurance company.
A short term disability attorney can help you if your claim is denied. Your short term disability claim is critical to obtaining a long term disability insurance claim, so it is very important to work with an experienced and respected short term disability lawyer.
What’s interesting is this: regardless of whether or not the company is self insured or uses an insurance company for its short term disability benefits, the short term disability programs are almost always administered by a long term disability insurance company.
By managing the short term disability claims, the long term disability insurance company has an opportunity to accomplish a few things:
- Keep an eye on big claims that may be coming in the near future.
- Gather information on a short term claim in preparation to deny a long term claim.
- Prevent a long term disability claim from occurring altogether by short-circuiting a short term claim. You cannot file for long term disability benefits if your short term disability benefits were not exhausted.
This does not sound fair to disability claimants, and it is not. The insurance company has the upper hand, gathering information in advance of a long term claim and in many cases, heading off the possibility of a long term claim by denying the short term claim.
One of the two best times to contact our firm for representation is when you are receiving short term disability benefits. We can assess your claim to discern whether or not it is likely to be denied during the short term claims period and prepare for the long term claim application process.
The best time to contact our firm is before you have filed for short term disability insurance benefits. It is at this time when medical records can be reviewed and properly prepared, when we can help with navigating the pitfalls of the claims process, and head off many of the sticking points before they bog down your claim.
If your short term disability insurance claim has been denied, contact short term disability lawyers who have experience in this area and can help you. Call our office today at 877-LTD-LAW (877-583-2524) to find out how we can help you.