Category Archives: Short-Term Disability Claims
What does bad faith look like in a disability claim?
When you faithfully pay for your long-term disability (LTD) insurance, you expect it to be there when you need it the most. Unfortunately, many find it challenging to get their insurance benefits even after paying into their policy for years or decades. If an insurance…
What qualifies as a short-term disability in your plan?
When you cannot work for some time, you need a backup plan to ensure your financial needs are met. That’s where a short-term disability (STD) insurance policy comes in – to provide a portion of your salary when you have a condition or injury that…
Will short-term disability benefits start right away?
When you get hurt or develop a medical condition, you may need to take an extended leave of absence from work. Your entire family may struggle because of the sudden drop in household income. Having the right insurance coverage helps protect you and your loved…
Short-term disability insurance and maternity leave
Last year, Colorado voters approved a ballot measure that will require most employers in the state to provide up to 12 weeks of paid, job-protected family and medical leave (and up to 16 weeks if medical complications warrant). That will put us ahead of many…
Can you bring a bad faith claim against your disability insurer?
When you take out short-term disability (STD) or long-term disability (LTD) insurance, you agree with the insurer that both of you will act in good faith. You cannot lodge false or exaggerated claims, and they cannot deny or delay claims without a valid reason. Yet,…
Understanding how short-term disability insurance works
Short-term disability insurance protects workers in Colorado by providing them with a significant portion of their salary if they cannot work due to illness or injury that is not incurred on the job. Benefits generally are 40% to 80% of your salary before the illness…
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