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To apply for short-term disability in Pennsylvania, you file a claim with the private insurer that issued your plan, because the state runs no public program. Most short-term disability coverage comes through an employer benefit or a policy you bought yourself, and each has its own forms, deadlines, and medical-proof […]

Pennsylvania does not have a state temporary disability insurance program. Unlike a handful of states that run public short-term benefit funds, the Commonwealth provides no government check for someone who cannot work for a few weeks or months because of a non-work injury or illness.  That single fact surprises many […]

Insurance companies frequently ask disability claimants to submit updated medical records more than once during a claim. This is a standard part of how insurers manage both Social Security disability claims and private or employer-sponsored long-term disability claims under ERISA. The requests are not necessarily a sign that a claim […]

When a disability insurance claim is flagged for additional review, the process slows down, and the outcome becomes less certain. Extra review is a formal step some insurers use before they make a decision on certain claims. This extra review is sometimes also called a special investigation, enhanced review, or […]