If you are unable to work due to a disability, you may be eligible for short-term (STD) and long-term disability (LTD) insurance benefits. The application process for disability benefits can be complicated and time-consuming, and it can be difficult to know what to expect. In this article, we will discuss the steps you can take to increase your chances of having your claim for disability benefits approved.
Tag: Disability Benefits
Long-term disability (LTD) insurance is a type of insurance that provides financial protection for employees who are unable to work due to a disability. It can help to replace a portion of an employee’s lost income and can provide important financial support for those who are facing a long-term illness or injury.
“I am experiencing disabling long-term symptoms of COVID-19. My symptoms are so severe that I am unable to continue working. When I asked my doctor to complete the paperwork for my disability benefits, he refused. What should I do?”
“I have long COVID and I recently filed a claim for disability insurance benefits through my workplace disability policy. The insurance company relied on a clinician’s review of my medical records to deny my claim. The clinician is employed by the insurance company, they never examined me in-person, and they do not specialize in a field of medicine relevant to my long COVID symptoms. Can I appeal the insurance company’s decision?”
Some employees with long COVID have invoked ERISA’s statutory protections to secure their eligibility for short-term and long-term disability insurance benefits after their plan administrator wrongfully denied them.