The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
Employers may offer various benefits as part of your group benefits package, including short-term and long-term disability benefits.
When you fall ill or sustain an injury that leaves you unable to work for a period of time, applying for disability benefits can seem overwhelming and like a monumental task. Insurance policies can appear to be complex and difficult to understand. It might not be clear what type of information the insurance company is looking for in order to approve your claim.
This blog will explain what short-term disability (STD) benefits are and key information you should know about STD benefits and STD claims.
Here are 7 important things you should know:
#1 - The waiting period
The waiting period for short-term disability benefits is short relative to the waiting period for long-term disability benefits. For example, it can range from 1 day to 1 week and is dependent on the policy.
#2 - How STD benefits are paid
STD benefits are paid weekly and pay a percentage of your weekly earnings for a specified duration of time if you are unable to work as a result of illness or injury.
#3 - How long STD benefits are paid for
Short-term disability benefits are only paid for a defined period of time. The period for which STD benefits can be paid ranges from 15 weeks to 52 weeks and is dependent on your policy.
#4 - How STD benefits are calculated
#5 - What medical evidence is needed?
As with any type of disability claim, the insurance company is looking for medical evidence that substantiates your disability and shows evidence that you have medically supported restrictions and limitations. Does your medical evidence show how your illness or injury or condition impacts your ability to perform the essential duties of your position.
#6 - Who pays the benefit?
Sometimes your employer has an arrangement with the insurance company known as an Administrative Services Only agreement, where the insurance company adjudicates the claim, but your employer is responsible for paying the benefit. The insurance company advises your employer if benefits are approved, should continue to be paid and when they are denied. However, the insurance company is not allowed to release confidential medical information to your employer.
#7 - Can you fight a denial of benefits?
A denial of benefits at any stage of the claim can be appealed, however you have the right to retain a lawyer to commence a legal action against the insurance company. If your benefits have been denied, you should contact an experienced disability lawyer as soon as possible to determine the best course of action.
The lawyers at Aaron Waxman and Associates have helped many clients whose disability benefits have been denied. If you or someone you know have had your short-term or long-term disability benefits denied, you can contact us for a free initial consultation with a licensed lawyer that can be arranged at a date and time that is convenient for you. We do not charge any upfront or ongoing legal fees and only get paid when your case settles.
* This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
* All of our lawyers are licensed by The Law Society of Upper Canada
* Office in Toronto and able to represent people in the province of Ontario