Many people rely on short-term or long-term disability benefits to help pay for living expenses while recovering from sickness or injury. Unfortunately, insurance companies often deny claims despite receiving medical records supporting time off from work. Just as you are struggling to make ends meet and get your health back, the stress caused by such a denial can prolong your recovery and cause financial ruin.
Each disability policy is unique. It is important to work with a lawyer who is knowledgeable about this area of the law to give you proper advice on the amount and duration of coverage available to you based on your specific policy.
Most long-term disability policies have two qualifying periods. Benefits for the first two years of disability are payable if you are unable to return to the same job you had before you fell sick. Benefits after two years of disability are payable if you are unable to do any work for which you are qualified by education, training, or experience.
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