Get the Disability Benefits That You Need
Experienced Short Term and Long Term Disability Attorneys
It is important for injured workers to understand the definitions of long term disability and short term disability as defined in their employers' insurance policies. How your injury or disability is defined will significantly affect the amount and length of benefits that you are able to receive from the insurance policy.
If you are concerned that your injury has been mischaracterized by the insurance company as a short term disability instead of a long term disability, or if the definition of your injury has been changed after you were already receiving benefits, you need to speak with an experienced disability attorney about your case.
At Burke, Harvey & Frankowski, our experienced lawyers provide counsel and representation to clients in short term, long term and Social Security disability claims. Whether you wish to file an initial claim, you have had your claim denied or you are already receiving benefits, our firm can help you ensure that your rights and best interests are being protected.
Contact us for a free initial consultation at our office in Birmingham, Alabama, and speak with us about your situation. Let us help you get the benefits that you deserve.
Long Term and Short Term Disability Benefits
Understanding the difference between short term and long term disability benefits is important. Short term disability insurance provides benefits to employers who are unable to work due to an illness, injury or child birth. Short term disability coverage can range from only a few days to several months and is typically based on the terms of an insurance policy. In five states, employers are required to provide short term disability benefits to employees, but not in the state of Alabama.
Long term disability insurance becomes available employee has an injury that will cause them to miss more work than is covered under short term disability benefits. For injuries that prevent a person from working at his or her job and at other jobs that may be available, long term disability benefits are supposed to provide that person with a source of income.
Long term disability claims are potentially far more expensive for insurance companies than short term disability claims, and therefore, most companies will give much more scrutiny and evaluation to LTD claims. In order to qualify for long term benefits, it is important that employees have evidence prepared in favor of their claims, including medical records and statements from doctors about their inabilities to work.
Contact Us to Speak About
Long Term and Short Term Disability Benefits
Learn more information about long term and short term disability benefits in the state of Alabama or the Southeast. Let us evaluate your situation and help you understand which type of benefits is applicable for your unique circumstances. We will help you file your claim and any appeals that are necessary to receive the benefits that you deserve. Contact us at Burke, Harvey & Frankowski in Birmingham at 205-588-4057 or toll free at 888-880-9046.
