If you experience an injury or illness that requires you to remain off work, you may be entitled to short-term disability benefits from your employer. Many short-term disability benefit plans require you to be unable to perform your usual and customary occupation. It’s important to know what benefits are available to you before you need to rely on them. You can request your short-term disability benefit plan information from your HR department or the Plan Administrator of the company’s benefit plans.
The terms of a short-term disability plan will vary from employer to employer. This is why you need to review the written plan document to find out what you need to prove eligibility for benefits. The plan document will also inform you of any exclusions and limitations that may impact your claim.
Depending on your employer’s short-term disability plan, you may be entitled to income replacement benefits ranging anywhere from 50% to 100% of your pre-disability earnings. Most short-term disability plans do not provide benefits beyond one year of disability.
It’s important to note that most short-term disability benefit plans offset, or reduce, the benefits payable to you depending on disability income you receive from other sources. For example, many employees are covered by the California Employment Development Department’s State Disability Insurance (“SDI”) benefit program, which provides a 52-week disability benefit. If your short-term disability benefit policy provides you with 60% of your pre-disability earnings, you may only receive about 10% or less of your pre-disability earnings after the offset for the California SDI benefit.
At Roberts Disability Law, we can help you find exactly what information you need to know about your employer’s short-term disability plan.
When you receive the denial of short-term disability benefits letter, you should contact the team at Roberts Disability Law as soon as possible. We have represented numerous clients in their appeals for short-term disability benefits. We have also helped clients with denied claims for short-term disability benefits eventually obtain long term disability benefits. The benefit denial letter should state the deadline for submitting an appeal, which is usually 180 days. It is important that you do not wait until close to the deadline to find legal representation. Sometimes, it can take the entire appeal period to gather the necessary information to submit a successful appeal.
If you receive a short-term disability benefit claim denial, you must submit an appeal in order to pursue your claim further. If you miss the deadline to appeal, you may completely lose your opportunity to reopen your claim or file a lawsuit in court. Sometimes, you must receive the full amount of short-term disability benefits in order to receive benefits under your employer’s long term disability benefit plan.
The team at Roberts Disability Law understands the ERISA short-term disability claims and appeals process. We have successfully represented hundreds of clients in their claims for disability benefits. The appeal of a disability benefit denial is one of the most important components of a claim, and we have the expertise to prepare a strong case for you.
Michelle not only won our case for me, but was totally professional, confidence inspiring, and reassuring. I felt I was in really good hands each step of the way. After it was all over and I was receiving disability benefits, my spouse and I looked back in retrospect and felt strongly that we could not have made a better choice in disability attorney for my case. Strongly recommended!
I had this misfortune of being denied long term disability under a ERISA policy through my former employer. I was terrified I was going to end up on the streets disabled with nowhere to go since the condition put me down from work and I lost my employment as a result. I was fortunate enough to have been referred to Michelle Roberts who quickly took my case after a review and I received a very fast response and request from the firm to take over my case. I was relieved as within a matter of just days she was diligently…
I am incredibly grateful for Michelle's expertise, wisdom and innovative approach in helping me navigate a quite challenging, and emotionally charged legal situation. Not only was she on point, intelligent and progressive, she was also compassionate and empathetic to the specific challenges in my case. I truly believe she had my best interest in mind, both immediate and long term, and advised me accordingly. Michelle spent a lot of time understanding the complex issues, researching the latest information and opinions around the matter, and handled the resolution with the utmost confidence and professionalism. I highly, highly recommend her and would…
Michelle is one of the most intelligent, professional to the point person I’ve ever dealt with. She has great listening skills and a gentle way of getting to the root of the issue. As a sales professional for 45 years I could have learned a lot from her.
There’s no question that Michelle is one of the most brilliant lawyers one can have the privilege of working with. She’s a partner and consecutive Super Lawyer, so she’s clearly an amazingly capable attorney. But in my experience, what makes Michelle unique on top of her impressive record is her empathy and passion for helping her clients. Michelle has been there for me in action (not just words) every step of the way and has been an unshakable stand of advocacy for my rights and benefits, independent of whether there was a guaranteed return, which is a rare attribute for…
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