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Disability is something that occurs unexpectedly to many workers. A hard worker may suffer from a mental condition or physical illness during his or her time with a specific company. Employers sometimes provide disability benefits to their full-time workers. These benefits cover the workers in cases of temporary illness or injury. Another way that an employee can receive disability protection is by purchasing a third-party policy. The disability plan serves the purpose of covering a portion of an employee’s wages while he or she is ill. The portion of the payroll that the plan covers depends on the institution and the policy. Some companies pay as much as 100 percent for disability, while others have a lower payout percentage of approximately 70 percent.

How Disability Claims Work

Generally, an employee must pay the insurance company a premium once per month. Many employers subsidize a large portion of their employees’ insurance premiums. A covered employee must contact the employer and the insurance company immediately upon falling ill. The worker may either complete a claim form online or contact the insurance company by phone. The person will want to visit a medical professional as quickly as possible.

The insurance company will request full medical records from the participating doctor. The company will want to see information such as the diagnosed condition and the estimated dates that the employee will be out of work. The condition must fall into the category of illnesses or injuries that the insurance company covers. Experts examine the medical evidence, and the insurance company makes a decision on whether or not it will pay a claim. Short-term disability claims can last for up to a year. Long term disability claims usually kick in after the short-term claims end.

Denial of a disability claim is an unfortunate incident that happens to some people. The insurance company may disqualify if covered person for “not having a qualifying illness,” incomplete paperwork or some other such reason. The employee is then left with a disability and no way to pay bills or expenses. A disability attorney can help a denied person to file an appeal and obtain the funds that he or she rightfully deserves. HSH lawyers is a trusted firm that works for the good of disabled employees. A specialist at the firm can help a person to apply for a new disability claim fight the denial of an existing claim.

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