Philadelphia Short-Term Disability Lawyer for Medical Professionals
A serious injury or illness can leave you unable to perform your essential job duties. Short-Term Disability insurance usually provides disability benefits during the gap in time between the onset date of your disability and the end of the elimination period of your Long- Term Disability Policy, usually between 90 and 180 days. Unfortunately, the claim process can be difficult to navigate, and claims aren’t always approved. If you’ve been injured or are suffering from an illness – including addiction, psychiatric disorders and physiological conditions – and are unable to work, a Philadelphia short-term disability lawyer can help you get the benefits you are entitled to so that you can focus on your health and recovery, and hopefully returning to work.
What Is Short-Term Disability?
Short-Term Disability is an insurance benefit that provides compensation for a limited period of time if you become injured or ill and are unable to perform your essential job duties. Many employers provide Short-Term Disability insurance for their employees as an employment benefit, but you can also purchase an Individual Disability Insurance policy. Short-Term Disability coverage is commonly provided to physicians, dentists, chiropractors, psychologists, high-level executives, and other medical professionals through their employment with Universities, hospitals, law firms, businesses, and groups.
Depending on the terms of your policy, Short-Term Disability typically provides coverage for three to six months and will pay anywhere from 60% to 80% of your pre-disability salary or earnings. Most disabling injuries and illnesses will be covered, with some exceptions, which will be outlined in either your Short-Term Disability or Individual Disability Insurance policies. Common exceptions are intentionally self-inflicted injuries or conditions (such as a suicide attempt) or commission of a crime.
Short-Term Disability Insurance will typically begin paying benefits after a designated waiting period, which can take 7 to 14 days. Benefits are often paid on injury claims more quickly because disabling injuries are typically easier to prove. Illness claims, on the other hand, may take longer because it can take some time to demonstrate your illness is serious enough to be disabling – preventing you from successfully carrying out the duties of your job. Depending on your policy, your benefits may be retroactive to the first day you missed work, once the appropriate waiting period has expired.
The Difference Between Short-Term Disability Insurance and Other Benefits
It’s important to understand that a Short-Term Disability claim is different from a Long-Term Disability claim. As the name implies, Short-Term Disability provides benefits for only a short time. Many employers offer both Short-Term Disability and Long-Term Disability coverage. Typically, your Short-Term Disability coverage will provide benefits until your Long-Term Disability goes into effect.
A Philadelphia Short-Term Disability Lawyer Will Help You Understand Eligibility Requirements
If you have purchased your own Short Term Disability insurance policy, your eligibility will be determined solely by the insurance company providing the policy. Of course, you will have to pay your premiums in order to have coverage when you need it.
For employer-provided plans, most full time employees qualify for Short-Term Disability benefits, provided they meet the requirements of the Short-Term Disability Insurance policy or their employer’s plan. Common requirements for eligibility include:
- You must be a full-time employee.
- You must have worked for your employer for a minimum period of time (for example, you must have been employed for six weeks before you will be eligible for disability coverage).
- You must meet a minimum earnings requirement.
These requirements vary by plan and by provider. A Philadelphia short-term disability lawyer at Seltzer & Associates can review your policy to determine whether you are eligible for benefits. We can assist in filing your disability claim and ensure you receive the monetary benefits you need to restore your health and to which you are entitled.
How is Short-Term Disability Calculated?
As mentioned above, Short-Term Disability benefits will typically pay 60% to 80% of your salary or wages during the time that you are unable to work for a short period of time. The amount of your benefits will be based on your income. In addition, your benefits may be subject to a cap. For example, your Short-Term Disability insurance may pay 80% of your weekly income up to a certain maximum benefit. An experienced Philadelphia Short-Term Disability lawyer can help you calculate the amount of benefits you are entitled to receive under your policy.
How a Philadelphia Short-Term Disability Lawyer Can Help Medical Providers and Other Professionals
The team at Seltzer & Associates focuses exclusively on Short-Term Disability, Long-Term Disability, and Individual Disability Insurance claims and cases. We can review your company’s employee benefit package and your individual Short-Term Disability policy. We then explain to you what injuries or illnesses are covered, whether you are eligible, and what you must do in order to file a claim.
Our Philadelphia disability attorneys can also help you navigate the claim process. We will make sure your claim is presented in the most complete and well-supported way, including providing the necessary documentation, and completing the required paperwork.
Finally, a Philadelphia Short-Term Disability lawyer on our team can help you fight a denial of your claim. If your claim has been denied, you have the right to appeal that decision. However, you must file your appeal timely, and you will need to build a persuasive argument showing why your claim was wrongfully denied. If you fail to file an appeal or do not file it correctly, you could lose your right to benefits.
Contact a Philadelphia Short-Term Disability Lawyer Today
The disability insurance lawyers at Seltzer & Associates have the knowledge, skill, and experience to help you get the benefits you deserve. If you are facing a Short-Term Disability claim, let us help – call us at 888-699-4222 or contact us online to schedule a free consultation with one of our Philadelphia Short-Term Disability Attorneys today.