Short-term disability insurance pays a weekly disability benefit if you become sick or injured and cannot work. The majority of people get their short-term disability insurance from work. A federal statute known as ERISA, the Employee Retirement Income Security Act, is the law that applies to the majority of short-term disability claims. At Dabdoub Law Firm, our disability insurance and ERISA attorneys in Miami help people get short-term and long-term disability benefits.
How Our Miami Short Term Disability Lawyers Can Help You
- Free Consultations
- 20+ Years of Experience
- Millions Recovered
- Award-Winning Counsel
How Long is Short Term Disability in Florida?
Short-term disability is typically paid for the first 26 weeks. After the short-term disability period ends, some people also qualify for long-term disability benefits. It is not unusual for disability companies to deny short-term disability benefits or terminate short-term disability benefits before the end of the 26 week period. This is a tactic some disability insurance companies use to block someone from applying for long-term disability benefits.
If your short-term disability benefits were denied or terminated, you have a right to appeal that decision. Disability insurance companies delay making a decision on the appeal by taking an extension to further delay reviewing the long-term disability claim. The disability lawyers at our firm in Miami, FL, know these tactics. We have strategies that protect our clients’ rights.
What Does Short Term Disability Cover?
Short term disability coves a broad range of medical conditions and injuries that, while not permanent or long-term, still require you to take time off work for recovery.
This could include:
- Mental health conditions
- Musculoskeletal issues
- Physical traumas
- Pregnancy and childbirth complications
- Recuperation period after an illness
A Miami short-overage generally helps to replace a portion of an employee's income if they are unable to work due to a disability. Typically, the amount covered is a percentage (usually 60-70%) of what the employee was earning at the time of disability. This kind of insurance may also cover medical expenses related to the disability and certain other costs. In some cases, employers may also provide additional coverage or benefits for short-term disability.
If you have questions about your rights to short-term disability and need legal help, a Miami short-term disability attorney can assist you in understanding the fine print of your policy, ensuring that all relevant laws are being followed.
An Experienced Legal Team with Tested Strategies
You should know your legal rights under ERISA and what to do if your short-term disability benefits are denied. The disability lawyers in Miami at Dabdoub Law Firm have years of legal experience handling short-term disability claims including applications, appeals, and litigation against disability insurance carriers such as UNUM, CIGNA/LINA, The Standard, Aetna, Hartford, Liberty Mutual, Lincoln Financial and others.