The first step in the long-term disability (LTD) claim process is to pursue a claim for short term disability benefits. When short term disability insurance claims are denied, there are serious implications for filing your LTD claim. For this reason, it is very important to ensure the successful filing and 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.
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The short term disability programs are almost always administered by a LTD insurance company.
By managing the short term disability claims, the insurance company can:
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 LTD claim and in many cases, heading off the possibility of a LTD claim by denying the short term claim.
Here’s what one client had to say about our help with a short-term disability denial:
“I can’t say enough about Mr. Frankel and his firm. I was unfairly being denied short term disability when I retained his services he was very concerned and made me feel very comfortable. He used his professionalism to get me through the process with unbelievable integrity and knowledge and then got me through long term also. His staff is unique in that they convey his caring and knowledge also. Great Attorney and a better person.” Nick
The best time to contact our firm is before you have filed for short term disability insurance benefits. However, it is also critical to work with an attorney when you are receiving short term disability benefits. Hiring an experienced disability insurance lawyer at this early stage is often helpful in successfully pursuing claims for both short term and LTD benefits.
Please note that if you are planning on returning to work or have already returned to work after your short term disability claim, we may not be the best resource for you. We focus our disability law practice on claimants who are fighting for their short term benefits in order to make the transition from short term to long term disability.
We are based in New York and have experience throughout the country representing clients pursue short- and LTD benefits. You may also reach us online for more information about our services.
Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.
FILING A DISABILITY INSURANCE CLAIMSecrets the Disability Insurance Companies Don't Want You to know!
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