Disability insurance helps to cover some of an employee's lost income when unable to work due to injury or illness. Some employers provide this benefit, while some employees purchase private coverage. Long-term disability is for an employee who is unable to work for...
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Disability Benefits
Appealing a short-term disability insurance denial
When you apply for short-term disability insurance in Florida and receive a denial in response, you may feel valid frustration. When an insurance provider denies your claim, it has to send an explanation of why it disagreed with the assertion of your doctors that you...
Understanding short-term disability and how to deal with denials
If you are an employee, there is the possibility that you have disability benefits through your employer-sponsored health benefits. These benefits may include short- or long-term benefits that help cover lost wages in the event you have an injury or illness that...
Understanding the SSDI appeals process
Statistics gathered and maintained by the United States Social Security Administration (SSA) show that the vast majority of claims for Social Security Disability Insurance (SSDI) benefits are denied. Fortunately, the SSA regulations that govern denials of disability...
Bridging the income gap. Disability policies for employees.
Many employers provide disability income protection for employees, a benefit that grew rapidly post-COVID. A short-term disability policy provides benefits for a handful of months for employees unable to work due to injury or illness. Upon expiration of those...
Disability claim denied? It is important to make a strong record during internal appeals
If you’ve suffered an injury or illness that has left you disabled, you might breathe a sigh of relief knowing that you have long-term disability insurance to offer support while you are unable to work. But you might be in for a rude awakening when you find out that...
Reasons insurance companies deny rightful disability claims
Many Florida workers have long-term disability insurance through their employers. It is a way for employees to have peace of mind, financially and emotionally, in the event they cannot work due to injury or illness. Unfortunately, many long-term disability claims are...
4 reasons disability insurance claims get denied
Individuals across the nation suffer injuries every day. Some injuries are fairly mild with minimal recovery. These types do not typically affect people’s lives much. Alternately, other injuries can be very severe. People may require extensive medical treatment, a...
Disability insurance companies must deal in good faith
Many people opt to purchase private disability insurance coverage for peace of mind. In the event an injury or illness prevents them from working and earning a paycheck, they can rely on benefits via their policy. Unfortunately, all too often, insurance companies...
Can my short-term disability be denied?
There are times in a Florida employee’s career where he or she may not be able to work because of a medical condition. Whether it be a surgery, pregnancy, cancer, etc. short-term disability (or STD) insurance helps employees continue to receive compensation when they...