Short-Term and Long-Term Disability Insurance Claims
Whether you’re facing a temporary setback or a more prolonged period away from work due to a disability, understanding and accessing your short-term (STD) and long-term disability (LTD) benefits can be critical for maintaining your financial stability. Our firm specializes in helping clients navigate the often complex process of claiming these benefits, ensuring they receive the support they need during a challenging time.
Understanding STD and LTD Benefits
Short-Term Disability (STD) benefits are typically designed to cover individuals who are temporarily unable to work due to illness, injury, or surgery. STD policies generally provide a portion of your salary for a period ranging from a few weeks to several months.
Long-Term Disability (LTD) benefits take over where short-term benefits leave off, providing continued income replacement for those who are unable to work for longer periods—often ranging from a few years to the age of retirement. LTD benefits can be crucial for individuals facing serious health issues that require extended time away from work.
How to Claim STD or LTD Benefits
Step 1: Understand Your Policy It’s crucial to thoroughly understand the specifics of your disability insurance policy. Our team can help review your policy to clarify benefit amounts, coverage periods, and any exclusions or conditions that might affect your claim.
Step 2: Submitting Your Claim We assist in gathering and submitting all necessary documentation to support your claim, including medical records, proof of salary, and any other required forms. Our goal is to ensure that your application is as strong as possible to avoid delays or denials.
Step 3: Dealing with Denials If your claim is denied, we can help you understand the reasons for the denial and prepare an effective appeal. This might include obtaining additional medical evidence, expert opinions, or correcting any issues with the initial application.
Step 4: Ongoing Support and Management For long-term disability claims, ongoing management may be necessary. We work with you to ensure that compliance requirements are met and to handle any reviews or updates to your claim as your situation evolves.