Have you been injured and now you want to see what benefits you qualify for in regards to short-term or long-term disability? You have options. The problem is, many people don’t understand how the transition works when you are moving from short-term disability to long-term disability. The truth is, some people will not make it past short-term disability, as they may not have an injury severe enough to keep them out of work for several months or years. But what happens if your injury is extremely severe and you are wondering how to make the transition?
Short-term disability is supposed to support you financially, of course, for a short amount of time. This type of disability will usually provide benefits to you for the first 3-12 months of your disability. But what happens if you have to move past that? This happens in cases where you have sustained a severe injury. Sometimes a doctor is unsure of how a treatment plan will work over a year’s time and can’t give you a statement right off the bat on how long you should expect to be out of work. But if your short-term disability is running out of time and you are still suffering from your injury, there is a good chance you will receive long-term.
After your short-term benefits have concluded, therefore, you will transition into the approval for long-term benefits. Usually, the insurer will administer both short and long-term benefits in the same way. If you are eligible for one, you will probably be eligible for the other if you need more time to recover. The only difference is that sometimes the transition can be difficult because of this element: When short-term disability ends, you might end up having to go through the whole process of applying for long-term all over again. Going through a new claim can be time-consuming as you work to prove your disability and gather documents that support what you have experienced.
Luckily, at Edelstein Martin & Nelson, we can get you proven results when you are suffering from a disability and need urgent help with your case. No matter your disability, uncommon or common, we have worked a variety of cases and want to see you gain results and make your transition as easy as possible.
All too often, employees say things like, “It won’t happen to me” and sadly, it does. Getting injured on the job can happen to anyone in the blink of an eye. Many people wait until it’s too late and an injury occurs, and then find out the hard way that long-term disability insurance has a waiting period of 3-6 months before you’re able to secure benefits. As such, you should always act, because short-term disability can pick up and leave you in a better position while you wait. This is why it helps to talk to your employer and stay prepared for any event.
Are you looking for more information on how long-term disability insurance can benefit you? If you live in or around the Philadelphia area and you have been injured, you have rights to compensation for your injuries, and one of these benefits could be a long-term disability if your injuries were especially severe. Call us today at Edelstein Martin & Nelson for more information, at 800-300-0909.