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It only takes one mishap with heavy machinery or a malfunction incident to seriously injure you. Or, you could be diagnosed with a severe illness and require extensive treatment. But what happens when your short-term disability claim is denied?
At Zayouna Law Firm, we believe you should not suffer added financial, physical, and emotional burden from denied disability benefits. Our short-term disability lawyers can help you claim your short-term disability benefits, and ensure income replacement and financial security at a time of immense uncertainty.
Short-term disability benefits are available for a specified period, typically if you cannot work for a certain period while recovering but can do so afterwards. In other cases, it is used to fill the gap during the waiting period for long-term disability benefits to commence.
Short-term disability insurance is meant to provide temporary income replacement and crucial disability support during this specified period; however, benefits are not always granted. Many insurance companies are known to dispute or outright deny otherwise valid claims. Even when claims are granted, they are not entirely successful — benefit payments are delayed, or amounts are reduced.
Zayouna Law Firm is ready to help you if your short-term disability claim is denied, or your benefits were terminated. Our short-term disability lawyers can help you dispute your insurer’s decision, and claim the benefits you are entitled to. With successful court action, we can get your benefits reinstated, as well as seek compensation for damages you suffered as a result of a denied disability claim.
Short-term disability benefits are available for a limited, specified period, such as during recovery and awaiting your back-to-work date, or within the qualifying period for long-term disability.
Key facts on how short-term disability is paid out:
Similar to long-term disability, short-term disability claims are due to injury or illness that prevents you from working. Short-term disability can provide income replacement during your recovery, or in the interim before long-term disability commences. See if your claim qualifies:
At Zayouna Law Firm, we understand the physical, mental, and financial impact of a short-term disability. Whether you can return to work after recovery, or awaiting long-term disability benefits to commence, we are here to help ensure that you receive the disability benefits you are entitled to. See how we fight for your rights to short-term disability benefits:
Zayouna Law Firm is your short-term disability lawyer. Our team is dedicated to advocating for your rightful disability benefits and helping improve your quality of life. From consultation and representation, to reinstated benefits and recovery, we offer vast legal expertise in disability law to fight for your rights and support you as you navigate returning to work, or commencing long-term disability.
Each disability claim is unique, and the allowable period for legal action depends on when the denial occurred, the reason, and when the policy was entered into and whether it had been renewed.
Generally, you have two years to commence a legal action. To ensure your lawsuit is commenced as soon as possible and within the correct deadline, speak with a disability lawyer as soon as the denial occurs, or as early as the claim is submitted.
Workers’ compensation benefits are only applied to workplace or work-related injuries, and only when your employer is covered by compensation. Short-term disability benefits can be paid out for any eligible injury or illness — not just work-related — that hinders your ability to work for a specified period, or while within the qualifying period for long-term disability to commence.
Your short-term disability benefits will depend on your policy’s coverage amount and monthly premiums, your income, and the prognosis of your illness or injury.
Insurers cite a number of reasons for denying disability claims, including a lack of medical documentation and/or missed deadlines for submissions; inappropriate treatment or treatment specialist; lack of medical restrictions preventing you from working while receiving treatment; being outside of the “maximum recovery guidelines”; and failure to participate in a rehabilitation or gradual return-to-work program.
At Zayouna Law Firm, we have assembled a team of professionals dedicated to serving seriously injured clients with knowledge and sensitivity. Collectively, our highly skilled personal injury lawyers bring decades of experience to the work of helping thousands of injured clients return their lives to their pre-accident state.Read More