Trending Disability Insurance Legal Questions From FindLaw Answers

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We see a lot of great questions in our Answers community every day. Here’s a look
at some recent questions relating to disability insurance from our FindLaw
Answers boards:

1. What’s the difference between
long-term and short-term disability insurance? Should I get one type over the
other? Or should I get both?

Whether you go for short-term or long-term disability
, either form will give you some amount of added security against the
possibility of losing income from an injury or illness. There are pros and cons
to each form of disability insurance. So deciding which policy is right for you
basically depends on your age, occupation, health, and financial circumstances.

Like the name suggests, short-term disability insurance
provides benefits for a relatively short period of time (between three months
and two years). Though benefits don’t last long, policies are less expensive
than long-term policies. Long-term disability policies, on the other hand, can
last until the policyholder reaches 75 years old — or as long as he or
she remains disabled. To determine which policy is right for you, discuss your
situation with a local disability lawyer.

2. I filed a claim with my disability
insurance provider after I suffered a work-related injury that forced me to
stop working. My claim was denied. What should I do next?

This poster was injured on the job, leaving
him or her no longer able to work. Adding insult to injury, since the disability claim was denied, he or she is now left without an income to pay off mounting
medical bills. No wonder the poster is frustrated — it seems like a no-win

Luckily, most disability plans have
an appeals process. Oftentimes, claims are denied because documents are missing, or because further medical examinations are required.

if the reason for the initial denial is one that seems like it can be easily
remedied during the appeals process, it’s generally a good idea to work with an
experienced lawyer to make sure deadlines are met and all
necessary paperwork is provided. You can get started with your appeal right away
by getting a free case evaluation by a local attorney.

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