Is there a difference between short term and long term disability benefits?

Is there a difference between short term and long term disability benefits?

Absolutely. It is lke the difference between night and day!

Short term disability is just like it sounds.  Short term disability benefits provide income replacement for a  short period of  time. This policy generally provides partial income replacement for about 6 months.

What happens after that? If you have purchased long term disability, your may be eligible for long term disability benefits once you have been paid all the short term disability benefits that you are owed.

The change from short term disability to long term disability is one of those transitions periods that Nancy Cavey, of Cavey and Barrett, normally see an ERISA or long term disability claims denial.

If you have a long term disability policy, Nancy Cavey suggests that you set up a free consultation with her about 8 weeks before you benefits are to switch from short term disability to long term disability benefits. If you are still disabled and unable to return to work, you need to understand what you must prove to be eligible for long term/disability benefits, whether there is any reduction in your benefits because of social security disability benefits, and how much you will really get in long term disability/ERISA benefits.

Nancy Cavey, a short and long term disability lawyer who handles long term disability insurance and ERISA disability cases all over the United States, offers a FREE disability consultation. Call 727-894-3188 to set up your free disability consultation.