You’ve got questions … we’ve got answers. If you have not yet asked or answered a
question in FindLaw’s Answers community, what are you waiting for? This amazing free resource supports a dynamic community of legal consumers and attorneys helping each other out. Simple as that.
We see a lot of great questions in our Answers community every day. Here’s a look
at some recent questions relating to disability insurance from our FindLaw
Answers boards:
Does short-term disability insurance
cover pregnancy? If it does, should I get my own insurance, or just rely on the
insurance provided by my employer?
If you’re pregnant or planning to
become pregnant, you’re probably wondering how much time you can realistically
take off work. While maternity leave under the Family Medical Leave Act (FMLA)
protects an employee’s job for up to twelve weeks, not all employers are
covered by the FMLA. And perhaps more importantly, maternity leave does not
entitle an employee to paid leave.
So when it comes to getting paid during maternity leave, most
people rely on vacation days, sick days, and short-term disability
insurance. Short-term disability insurance may be provided the state,
your employer, or a private insurance plan. Depending on the plan and
the type of delivery method, benefits may last between six and
eight weeks and cover fifty to one hundred percent of an employee’s
income.
Getting back to the poster’s
question, yes, short-term disability generally covers pregnancy. One thing to
keep in mind is that if you’re already pregnant and are now considering a
short-term disability plan, your claim may end up being denied as a “pre-existing condition.” Given that potential income and time at home with
your new baby are at stake, you may want to discuss your situation for free
with an experienced disability attorney.I need to file a claim disability
insurance claim to cover the medical expenses and lost income incurred from a
recent work injury. Do I need to hire a lawyer to file the claim for me?
It’s certainly not required that you
have an attorney to help you file a disability insurance claim. But having an
attorney may mean the difference between your claim being approved and your
claim denied. Filing a disability claim often involves tight deadlines,
required medical documentation, and tough negotiations with insurance
companies. A misstep when it comes to just one of these steps can result in the
denial of your claim. And then comes the whole host of additional steps,
procedures, and administrative hoops that make up the appeals process. Why not
make sure your claim is filed properly from the beginning? If you are planning
to file a long-term disability claim, or have had your claim denied, get back on track
and get a free case consultation from a disability attorney today.Disability insurance can get confusing … fast! It’s no wonder that we get so many questions on this topic everyday in our FindLaw Answers community. If you have not already taken a chance to post or respond to legal questions in this dynamic community, make sure you check it out today!Related Resources:
Confused by Disability Claims? FindLaw’s Top 5 Tips (FindLaw’s Insider)How to Request a Reasonable Accommodation (FindLaw’s Law and Daily Life)Top Disability Questions From FindLaw Answers (FindLaw’s Law and Daily Life)
Source: Legal Law Firm
