Short-term vs. Long-term Disability Benefits in Clarksburg
Disability benefits are a confusing topic for many people in Clarksburg. Benefits for short term and long-term disabilities may be provided through insurance plans governed by ERISA, workers’ compensation, or other schemes. Programs such as Social Security Disability Insurance also provide disability benefits, but only for long term disabilities.
Individuals may have insurance that covers only short or only long-term disabilities. Even if they are covered for both, the benefits available and procedures for filing a claim may differ substantially, so a claimant could be denied benefits under one type of policy and receive benefits under the other. Accordingly, it is important for Clarksburg residents to understand short term vs. long term disability benefits. Reach out to an experienced ERISA lawyer to learn more.
Short-Term Disability Insurance
A disability is considered to be a medically-identifiable condition that prevents someone from working. While a disability could be caused by an accident on the job, most disabilities stem from chronic conditions such as cancer, heart disease, or orthopedic issues such as back pain.
Short term disability insurance provides income benefits to make up for wages lost when a worker suffers from a disability that may not continue for an extended period of time. The length of time benefits continue will depend on the disability as well as the terms of the policy. Many policies will pay benefits for no more than three to six months.
When comparing short term vs. long term disability benefits, the primary differences include when the benefits become payable and when they discontinue. Short term disability benefits will start and end sooner than long term benefits, but the exact terms will depend on the specifications in the policy.
Long-Term Disability Insurance
Before an individual can receive long term disability benefits, they must suffer from a disabling condition for a lengthy period of time. The exact length will depend on the terms set forth in the policy, but six months is a common limit. This is sometimes referred to as an elimination period.
Not only will the individual need to wait a long time before receiving benefits, but in order to qualify for long term benefits, they must also usually have a condition that is expected to continue for a long time or to result in death. Both long term and short term disability benefits in Clarksburg may be calculated as a percentage of average income.
Short-Term and Long-Term Disability Policies Working Together
For many people, short- and long-term disability benefits can be combined to provide the most extensive disability coverage. A disabled individual may receive short-term disability benefits soon after the onset of a disabling condition, and by the time those benefits expire, the elimination period may have passed so that long term disability benefits can begin.
Eligibility standards for short-term vs. long-term disability benefits may differ. An insurer could deny a claim for a short-term disability but agree to pay claims for long term benefits. In some situations, an insurer may start paying disability claims and then decide that the recipient no longer qualifies. An accomplished attorney could assist in appealing denial or discontinuance of disability benefits.
More Information Regarding Short-Term vs. Long-Term Disability Benefits in Clarksburg
Some workers in Clarksburg may obtain short-term or long-term disability insurance through their employers. In many cases, those seeking disability benefits of any kind must be prepared to provide evidence to document the extent of a disability. For questions about or problems with an insurance claim, it may be helpful to consult an experienced attorney who could explain your rights and help you fight to protect them.