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Short-Term Disability Claims

When you develop a medical condition, it may become impossible for you to work. In some cases, your medical condition is a long-term problem that impairs your ability to work for years or even forever. In other cases, your medical issue may bea short-term problem that lasts only a few months. Unfortunately, losing out on income even temporarily can be a major problem for most people who do not have the money to support themselves for an extended period of time.

If you have a short-term medical condition, you may be eligible for short-term disability benefits. An experienced Boston disability attorney can help you to determine if benefits are available to you and can help you to get the benefits you deserve.

How to Make Short Term Disability Claims

Short-term disability benefits may be available from a private insurer or through workers' compensation. Unfortunately, neither social security disability insurance (SSDI) nor supplemental security income (SSI) provide for benefits for those who have a short-term condition. In order to get benefits through either of these programs administered by the Social Security Administration (SSA), your condition either needs to be a terminal illness or it needs to be expected to last for at least a year.

Because social security disability insurance is not available for those with short-term medical issues, it is important to explore your other options. Workers' compensation, one such option, is available only if your injury was directly related to your work. Workers' compensation provides temporary (or permanent) disability benefits to people who are injured in an accident, were exposed to toxins, developed a repetitive stress injury or otherwise hurt themselves or became ill as a direct result of work tasks.

Your other option for short-term disability benefits is a claim with a private disability insurer. Often, employers purchase short-term disability insurance benefits for their employees as part of the employee benefits package. If this is the case, you can obtain information from your human resources department on who your insurer is and how you begin the process of applying for benefits.

It is also possible to buy short-term disability coverage for yourself through an insurance company or insurance agent. Having this type of coverage can be an important form of protection in case you become unable to work, but of course you will have to purchase this insurance before you fall ill in order to be covered.

Typically, when a short-term disability policy is purchased, the policy provides coverage for up to six months of time off from work. The policy will pay a portion of your income so that you are able to meet your basic living expenses.

Making a Claim for Short Term Disability Benefits

When you have short-term disability insurance coverage that you or your employer purchased, you may believe that you are protected if you cannot work. Unfortunately, insurance companies routinely deny even legitimate benefits claims. This can be frustrating and even frightening if you are counting on the money from the insurance policy to get you through.

If you have short-term disability insurance and your claim for benefits is denied, you should consult with an experienced Boston disability attorney. Your attorney can represent your interests with the insurance company, help you to bolster your claim and work to protect your rights so you can get the benefits you need. An experienced law firm may also determine you should pursue a personal injury claim for third-party negligence.

The Massachusetts disability attorneys at the Law Offices of Jeffrey S. Glassman, LLC is here to help you. Give us a call today at 1-(617) 367-2900 to learn more about how we can assist you in getting SSDI benefits.

Boston SSDI Attorney - 1-(617) 367-2900 - Free Consultation

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