A must read before filing your short-term disability claim

Most of us have been insuring our cars, homes or health to reimburse anticipated cost in case of any damage. But have you ever thought you can lose your income as you can no longer work due to injury or illness? If you are amongst those unfortunate people who are forced to be temporarily out of work due short-term disability then you should be aware of certain facts. 

An individual can generally incur short-term disability benefits from 90 days to one year whether it's through their employer or insurance program of their own. So, while your disability blocked you from working and consequently paying your mortgage and other daily expenses, disability benefits will compensate for 60 – 70 percent of your regular earnings. 

There can be number of different types of disability that a person can face for which he may have to file a short-term disability claims. They can be broken bones, spinal injuries, injuries sustained due to vehicle accidents or mental trauma. There are also few factors due to which one's short-term insurance plans vary such as its scope of coverage, benefits included for which the individual is eligible, duration of impairment etc. 

To be eligible for the benefits of short-term disability insurance, firstly you need to duly fill the required claim forms and along with it submit the necessary medical documents with regard to your injury or illness and also the documents from your employer that mention your period of absence from the work. 

Before filing for disability, you must also be aware of the primary parameters on which the cost of your short-term disability insurance depend – 1. Applicant's health: Better the health, lesser you will pay for insurance. 2. Applicant's income: Greater the benefits, more expensive will be your disability coverage. The benefit you qualify for with an impairment insurance plan will be a percentage of your income. 

However, due to somewhat complex procedure of claims filing, in some occasions you may have to wait for a certain period to be eligible for availing the benefits. Moreover, every insurance plan cannot give you equal advantage. But, if you choose the best plan you can get desired benefits. You must also note that more often than not social security disability claims are denied on the first occasion. This is where it is advisable to hire the services of expert law firms or attorneys. 

A professional disability claim lawyer can help you with filing of complicated forms, collecting documents and choosing right policy for you. He/She can thus increase the chances of getting an approval and rightful compensation. A lawyer has sufficient experience, resources and skill to handle your case and even support you emotionally during your difficult times.