If you have group disability coverage through your employer, specifically short-term disability insurance, you may wonder how long these benefits last. Short-term disability benefits typically last between three and six months. Some disability plans, however, pay as long as one or even two years.
Short-term disability insurance is coverage that pays a percentage of your prior income in the event you are unable to work due to sickness or injury. If you qualify for short-term disability benefits through your employer, your benefit will likely be between 40 percent and 100 percent of your prior earnings. Some short-term disability policies have a benefit cap.
You will likely have to wait a certain amount of time after your date of disability before you receive short-term disability payments. This is known as the elimination period. This waiting period can be as short as one day or as long as one month, however, the typical time frame is 14 days.
The purpose of short-term disability insurance is to pay benefits for temporary injuries and illnesses. What qualifies you for short-term disability benefits depends on the insurance policy’s definition of disability, which is often tied to your inability to perform the duties of your occupation.
Help from an Attorney with Expertise in Disability Insurance
Disability insurance law is complicated. If your claim for long term disability benefits was denied or being delayed by an insurance company, it is important to get help from a lawyer with expertise in disability law.
Why Us?
Our lawyers specialize in disability insurance;
Our lawyers have experience with UNUM, Hartford, CIGNA, Reliance Standard, and just about every other insurance company;
Our lawyers have won tough disability insurance lawsuits;
Our lawyers have recovered millions in disability benefits for clients who were wrongly denied.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
Dabdoub Law Firm represents clients nationwide with:
- 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.
Call us at (800) 969-0488 to speak with an experienced disability attorney. Enjoy a free consultation and pay no fees or costs unless you get paid.