Short Term Disability Claims
Disability insurance is designed to protect your income should you suffer an injury or illness that prevents you from working. In situations where the injury or illness is only temporary, you may be entitled to collect short term disability benefits under an employer-sponsored short term disability program. These benefits are available for a limited period of time (generally between nine weeks and a year) and cover a certain percentage of your salary based upon your employer’s plan. Additionally, under some plans, the short term disability benefit is payable immediately while other plans provide for a short elimination period. An experienced Chicago short term disability attorney can help you determine your eligibility as well as assist you in filing a claim.
Qualifying for Short Term Disability Benefits
To qualify for short term disability benefits, you must satisfy several different requirements as set forth in your employer’s plan. These requirements include meeting the plan’s definition of “disability” and remaining disabled both during and after any elimination period. Should your condition require you to be off from work longer than the maximum amount of time covered under the policy, you may be entitled to file a claim for long term disability benefits.
Filing a Short Term Disability Claim in Chicago
If you are filing a claim for short term disability benefits you will need to either submit your claim through your employer’s human resources department or directly with the insurance carrier, depending upon your employer’s program. Unfortunately, insurance carriers can make the process very challenging and you may end up in a difficult battle to get the payments you need. An experienced Chicago short term disability attorney can guide you through the process to help make certain you receive all the benefits you deserve.
The attorneys at Bryant Legal Group PC have years of experience helping employees file for short term disability benefits. Our lawyers will help you gather and submit all the medical records and other information you will need to support your claim. Once your claim has been approved you will also be required to submit ongoing evidence of your disability, typically on a weekly or monthly basis. We know that the insurance companies aggressively monitor short term disability claims and look for ways to terminate payments as early as possible. Our attorneys will assist you throughout the entire period of your disability, making certain the insurance company receives all required documentation so that you can continue to collect the benefits you are owed.
Was Your Claim for Short Term Disability Denied?
Oftentimes, claims for short term disability benefits are denied. Reasons to be denied short term disability can vary, including insufficient evidence regarding the condition or a mistake on the application. Some claimants are even denied short term disability due to a pre-existing condition.
If your claim for short term disability benefits is unfairly denied, our Chicago disability attorneys will appeal the decision. We know how the appeals process operates and we will take quick action to gather any additional evidence needed to support your claim. In the event that the dispute cannot be resolved directly with the insurance carrier, our legal team will vigorously advocate for your rights in court.
Contact a Chicago Short Term Disability Attorney Who Can Make Sure Your Rights Are Protected
If you are filing a short term disability claim or your claim has been denied, Bryant Legal Group can help. When you are injured or become ill and need to take time off from work it is very important that you take all steps necessary to preserve your rights now and into the future. Some disability policies require that you be awarded short term disability benefits in order to file a claim for long term benefits. This means that if you don’t aggressively pursue short term disability benefits now, you may be precluded from collecting the long term payments you may need down the road. Make sure you are protected by scheduling a consultation with a Chicago short term disability lawyer at our firm – call 312-561-3010 or email email@example.com.