How to file a disability claim
How to File a Disability Claim
Filing a claim can seem overwhelming, but not if you know the correct steps to take! But first, what is the difference between short and long-term disability?
Short-Term Disability insurance helps you remain financially stable should you become injured or ill and cannot work, as it continues a portion of your salary should you become disabled and unable to work. This can also cover parental leave. Short-term disability typically stops after six to twelve weeks, whereas long-term disability can last until retirement age. In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and family. Long-Term Disability is designed to help cover the employee’s expenses while their regular income is interrupted.
If you believe you are eligible for a disability claim, there are a few different ways to start the filing process. First, you can contact your benefit administrators. They will provide you with exact instructions on how to file a claim, or who to contact to do so. Somtimes your HR manager has access to this information as well. Another option is to go directly to your insurance carrier's website. Many carriers have claim forms right on their website for you to directly fill out and file online.
This information is intended for information purposes only. Any reader understands that Apex Benefit Group is not providing legal advice, tax advice, or professional services. This article serves to offer practical information regarding the subject matter and is not a comprehensive resource.
If you would like to discuss your disability benefits, please contact us today.
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