The prospect of appealing denied short-term disability benefits may initially seem like a daunting and potentially exhausting process, especially because if you’ve applied for benefits, you are dealing with serious health issues. However, pursuing an appeal is often...
Understanding the length of short-term disability
Many people can’t help but take time off when they’ve suffered a medical issue. This can create a lot of issues, especially if the person suffering from a medical condition is the primary wage earner for their household. Many people can’t afford to take any time off...
Can you travel while you’re getting disability benefits?
If you’re using your short-term disability (STD) or long-term disability (LTD) benefits to take time off work to recover from an injury or surgery, you may assume that you will need to cancel any planned vacation and certainly not make any new plans while you’re...
Do pregnancy complications qualify as a disability?
Pregnancy can be pretty rough on the human body, but is it necessarily disabling? It may be. While every short-term disability policy has its own terms, pregnancy complications often qualify for benefits. After all, pregnancy is a medical condition, and short-term...
How long do short-term disability benefits last?
Being away from work, even for a few days, can be a source of hardship for many people. Most adult wage-earners do not have enough savings to offset a lengthy loss of income. Instead, many households may only have enough to pay a month or two of basic expenses, if...
What qualifies as a short-term disability (STD)?
Many employers offer short-term disability (STD), a type of insurance that pays a portion of an employee's salary when they are temporarily unable to work. STD benefits are payable at about 50%-100% of someone’s pre-disability earnings. These benefits are either...
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...
How long of a delay in an insurance payout is reasonable?
Social Security disability programs and even insurance provided by your employer could be too low to really protect you from a disabling medical condition or unexpected injury. Those with families to support and who are used to earning an above-average income will...
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 prevents you from...
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 ones...