Voluntary short-term disability insurance is group coverage through your employer that can help replace part of your income in the event you are unable to work due to sickness or injury. An employee has the option of whether or not to enroll in these benefits.
If you are unable to work, you can file a short-term disability claim directly with the insurance provider. If your claim is approved, you will be paid disability benefits directly. Many times there is a waiting period before benefits begin that can range from one to fourteen days. Short-term disability benefits usually last for three to six months, depending on the insurance contract.
Unlike non-contributory short term disability, which is automatic and paid entirely by the employer, voluntary short term disability is optional and premiums are paid entirely by the employee. The premiums are typically deducted from your paycheck post tax, making the benefits tax-free. On the contrary, because non-contributory short term disability premiums are paid entirely by your employer, disability benefits are taxable.
Short term disability benefits are typically paid on a weekly or biweekly basis as a percentage of your predisability income. Sometimes this percentage changes over time, starting at higher amount and dropping over time or the percentage may remain the same for the entire short term disability benefit period.
Over the years, the experienced disability insurance attorneys at Dabdoub Law Firm have successfully obtained short term disability and long term disability benefits. We are familiar with the terms of the disability insurance contracts.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we have expertise in disability insurance law.
That means have:
- Experience with every major disability insurance company;
- A proven track record of success by winning major disability lawsuits;
- Recovered millions of dollars in disability benefits for clients;
And, we never charge fees or costs unless our clients get paid.
The firm can help at any stage of your disability insurance claim, including:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call to speak with an experienced disability attorney. Consultations are free.