Short Term Disability Benefits
Short-Term Disability Insurance (STD) is a type of insurance often referred to as a salary continuance plan that provides partial payment for lost of income due to an employee's temporary inability to work due to becoming disabled. The payments are intended to cover the employees injuries and illnesses that were unrelated to his/her work and to allow the employee to able to return to work or until the period for his/her long-term disability benefits begin.
STD benefits are to cover for a short period of time (typically 4 months to 1 year). Although an insurance company is hired to adjudicate a STD claim, the benefits are typically payed by the employer, and insurance company typically is there to advise the employer whether the benefit is payable.
Contact Azimi Law if your STD claim has been denied. We will provide you with a no obligation free consultation.
Long-Term Disability Benefits
Long Term Disability Insurance (LTD) is typically part of an employer's group benefit plan. Unlike STD benefits, LTD benefits are available to employees who are unable to work for a prolonged period due to an injury or an illness, and typically include a monthly income replacement to cover bills and pay for medication.
An insurance company many have various reasons for denying an LTD claim or termination LTD benefits.
If your LTD claim has been denied or your LTD benefits have been terminated, contact Azimi Law for a free no-obligation consultation!!
Typically denials revolve around the insurer claiming that an employee's condition is not "severe enough" or that the employees lacks any "objective" injuries that can be supported by "objective" medical information/documentation. In other instances, they may denials that the employee has remained off work due to secondary reasons (work-place issues and concerns) rather than a legitimate disability.