Employers may offer short-term disability benefits to their employees under a group benefits policy. Short-term disability benefits provide almost immediate income replacement when an employee has become disabled as a result of injury or illness and is unable to work for temporarily or for a prolonged period of time.
Short-term disability benefits, unlike long-term disability benefits, are available for a specified period of time. Many group benefit policies that offer both short-term and long-term disability benefits offer short-term disability benefits for a certain period of time which equates to the waiting period before long-term disability benefits become available.
Short-term disability benefits are meant to fill in the gap between the waiting period from the onset of disability to the time long-term disability benefits commence.
The amount of your short-term disability benefit will depend on your individual policy. Benefit amounts can range from 50% to 100% of your weekly income.
It is important to review your short-term disability policy to confirm how many weeks of benefits are available to you and to understand what medical evidence is required to continue receiving benefits.
If your claim for short-term disability benefits has been denied, it is important to seek legal advice. You can appeal an insurer’s decision and you can commence a lawsuit against your insurance company if they have denied your decision.
By contacting Aaron Waxman and Associates, you are taking a step in the right direction. We offer a free, no obligation initial consultation and are able to take your call or answer your e-mail.