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No matter your reason for filing a short-term disability claim, you are likely experiencing a lot of stress at the moment. This stress may not only distract you from your daily activities but also hurt your ability to properly file a claim. However, this claim must be completed without omissions or mistakes in order to be accepted by the insurance carrier.
Hiring an experienced short-term disability attorney who could assist you with the entire claims process could potentially increase the chances of your claim being accepted. In addition, an attorney with knowledge of ERISA could help you identify any violations of federal law that could play into a rejection of your claim.
Filing a short-term disability claim requires time and attention to detail. If claims are not completed the right way or lock enough supportive evidence to prove a physical disability, they can be—and often are—denied. This is why many applicants choose to hire a skilled lawyer to help them handle the many steps involving in filing their claim.
Generally, claim forms can be obtained from an employee’s human resources department, online, from various state departments, or directly from the insurance company. Regardless of its source, the form must be completed in its entirety.
Most forms ask for information like the date when the applicant stopped working, contact information, personal details, and the nature of the injury or illness that the disability claim is for. Applicants should complete every portion of the form, adding whatever supportive details and documentation that they can.
The applicant’s doctor must review and sign a short-term disability claim form in order to verify the condition on which the claim was predicated. Many experts recommend also obtaining a detailed letter from the physician regarding their medical condition to thoroughly explain why the applicant should receive disability benefits.
When the applicant believes the form is complete, they should review it carefully to ensure all areas are filled out and that they have fully portrayed how their disability has impacted their life and ability to work. The completed application should be submitted according to the insurance company’s instructions. A copy of the form should be kept by the applicant for their own records.
The insurance company’s medical, vocational, and accounting teams generally review each claim for short-term disability benefits. With permission, they may obtain medical records for the applicant in order to validate the claim. As per 29 C.F.R. § 2560.503-1 (f)(3), the applicant should be notified of the acceptance or denial of their claim within 45 days of when they submitted their application.
The Employee Retirement Income Security Act of 1974 (ERISA) governs a wide variety of life insurance, health insurance, and pension plans in the United States and guarantees certain rights to policyholders of such plans. If a short-term disability claim is unjustly denied in violation of ERISA regulations, the insurance company that denied the claim may be subject to significant penalties. A qualified lawyer could help individual applicants determine if their rejection could serve as grounds for an ERISA-centric lawsuit.
Filing a short-term disability claim can be confusing, time-consuming, and cause undue worry and frustration. If you want to make this process easier, and potentially more successful, hire a dedicated and knowledgeable lawyer to represent your claim.
Insurance and ERISA lawyers with extensive experience completing and filing disability claims are available to help you get the benefits you deserve. Call today to get a tenacious ally on your side, so that you do not have to worry about hefty financial burden while recovering from your medical condition.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
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