How Does Short Term Disability Work?

Short-term disability insurance typically replaces a certain percentage of your income for three to six months if you are too sick or injured to work. It is very state dependent, with New York being woefully low ($170/week).  Depending on the state or if an employer has a plan of coverage, it may cover between 40% – 70% of your income, with benefits ending when you are able to return to work or when the coverage period ends.  Usually, the coverage period is tied into the beginning of long-term benefits, so if the waiting period of long term disability insurance benefits is 180 days, then the short term coverage is usually for 6 months (to be compatible). 

Short term disability insurance is paid in a variety of ways, depending on the employer and the state. In some cases, the employer itself pays benefits directly, in others the employer and the employee contribute. Be aware the short-term disability policy may be administered by a disability insurance company, regardless of where the funds come from. The long-term disability company will use your short-term claim to gather information about you, your job, and your claim, in preparation for a long-term disability claim once the short-term claim has ended.

After decades of experience, we know that the best time to contact a disability insurance attorney is BEFORE you file your claim for short-term disability insurance benefits. An experienced disability insurance attorney will identify issues before they become problems. The last thing you want to do is give a strategic advantage to the disability insurance company’s effort to deny your claim, yet this happens all the time.  If the insurance company can stop your claim during the short term period, you will never become eligible for long-term disability  insurance benefits, which that insurance company is likely the party responsible for paying. Thus, it is critical to ensure that you successfully navigate the short term disability claim process.

We advise clients to be proactive about retaining an attorney so we can identify the issues with their short-term disability claim. This avoids the additional stress of an ineffective, unskilled battle with the insurance company representatives. 

What Do You Need to Know About Short Term Disability Claims?

Hiring an experienced disability insurance lawyer at an early stage impacts both short-term and long-term disability insurance claims. What most people don’t know is that their short-term disability insurance claim is the gateway to long term disability claims, and success with the short-term claim can make the long-term claim that follows more likely to succeed. 

In our experience, failing to obtain short term disability claim benefits when they are expected to extend into a long-term claim often dooms a long-term disability insurance claim. The short-term disability claim needs to be taken seriously.

Short Term Disability Insurance Claims are the Predicate to a Long-Term Disability Insurance Claim

For claims that expect to have duration into long-term disability, the short-term claim process is the onset claim. It is important to secure these short-term disability insurance benefits to avoid needing to appeal a short-term disability claim. 

Part of our work is to take care of the short-term disability claim while simultaneously developing support for the long-term disability claim. It is critical to ensure the successful filing and completion of your short-term disability claim to navigate into the long-term claim process.

What if My Short-Term Disability Claim Is Denied?

If you have received a denial, termination, or notice of rejection of your short-term disability insurance claim, you may request that your claim be reviewed. Be aware, however, there are strict time frames and procedures, depending upon the laws in your state. We have represented claimants throughout the country and are familiar with providing representation against all insurance companies in all fifty states.

We invite you to call our office at (877) 406-7883 to discuss your situation and learn how we can help. 

We appreciate our clients’ testimonials, as they reflect our effort and dedication:

Jason offered me strong and consistent support as we worked through my disability claim. I enjoyed his honest candor and timely correspondence, the combination leading to a fully resolved claim. I would strongly recommend Jason to support someone facing uncertain or difficult processing of a disability claim.

It Is Complicated to Challenge a Denied Disability Insurance Claim 

Having an experienced disability insurance attorney on your side helps your claim in numerous ways. We collaborate with your treating physician and healthcare providers to gather the proper diagnostic and medical records we know are needed to support your claim and help them understand how to phrase supportive language of impairment. We understand what types of medical reports the insurance companies are looking for and which materials will be dismissed.  From our vast experience, we know your claim from a legal and medical point of view and are better equipped to do battle with the insurance company.  We likely have seen your case before.

Often, when appealing a short term disability insurance claim, we will submit support as proof for the long term disability insurance claim as well.  This dual submission will be valuable to the client to secure both short term and long term benefits. 

Attorney Jason Newfield understands how dealing with a short-term disability denial or challenge while you are in the midst of what might well be the worst time in your life is overwhelming. Your focus needs to be on taking care of your health or healing from injuries—not battling with an insurance company that holds your financial future in its hands.  A skilled disability insurance attorney takes the burden of this battle from you and your family members so your energies can go towards your health. 

What If My Short-Term Disability Claim Has Been Denied?

If your short-term disability insurance benefits were denied,  or abruptly terminated, it is not over, but is the beginning – of what might be a battle.  Newfield Law Group, PC is a disability law firm representing clients nationwide, from New York and New Jersey to California and Hawaii. We have handled long-term disability claims, short-term disability claims, long-term care claims, and other claims under the Employee Retirement Income Security Act (ERISA). 

We invite you to call us at (877) 406-7883 to learn how we can help. The consultation is free, and there is no obligation. 

Calling the disability insurance law firm of Newfield Law Group, PC can be critical to securing your disability insurance benefits, starting with your short-term disability claim. Our deep knowledge and experience in this highly focused area of law allows our team to advocate for your rights throughout the process. We will develop the necessary medical and vocational evidence to support your disability, and our experience allows us to know how to navigate the process smoothly and effectively. 

When you need help with your case, and with so much at stake in the outcome of your claim, finding a law firm with experience, and with a reputation for success, passionate advocacy and compassion should be important.  Our firm knows how best to fight for your right to disability benefits. 

We are based in Long Island, New York, and have experience throughout the country representing clients pursuing short-term and long-term disability insurance benefits. We have helped people from the onset of the claim through litigation in Federal Court. Check out our client  testimonials and call us today toll-free at (877) 406-7883 or use our online contact form to request your free claim consultation today.