Short term or long term disability claim.

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PostPosted: Tue Oct 01, 2013 12:24 pm   Post subject: Short term or long term disability claim.  

Hi everybody! I just came across this forum today and I found it really good and engaging.

Anyway, in the fall of ‘12 I was disabled as I had a spinal-cord tumor elimination & triple Laminectomy.

I had to go through an extended phase of of full spinal/cranial radiation treatments. My employer gave me a deadline of one year to get back to work. I didn’t want to lose my earning potential; neither the benefits nor the position I achieved after struggling so many years. So (though reluctant), I returned to work with a lot of pain and fatigue and within the time specified.

A family friend told me that I am eligible to receive the paychecks of that 11 months I couldn’t work. Is this correct? Should I approach them now?

My first disability claim was rejected. It was again denied when I requested for the second time.

I still have around 2-3 weeks to appeal again. However, to be very frank, I just don’t know if I even have a valid claim. Thanks in advance!

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PostPosted: Tue Oct 01, 2013 6:39 pm   Post subject:   

A family friend told me that I am eligible to receive the paychecks of that 11 months
Probably not. If you were totally disabled according to Social Security's definition (unable to perform any substantial gainful activity), and your disability was expected to last 12 months or longer, you could have begun receiving payments as early as the sixth full month of disability.

You would never have received 11 months of payments. Returning to work within 12 months, however, pretty much answers the question of whether your disability was expected to last 12 months or longer.


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PostPosted: Fri Oct 11, 2013 1:27 pm   Post subject: SSDI or STD/LTD Insurance?  

If you're claiming SSDI through Social Security, MaxHerr is correct. But you may still have a viable claim if you're claiming short-term disability or long-term disability benefits from an insurance company.

After your claim and your appeal was denied, your plan may allow for "one more bite at the apple" by providing one last short period of reconsideration. It's critical to get every single piece of information into the claim file - occupational, medical, as well as answering any clues given to you in the denial letters from the insurance company. Again - time is short, so you have to act quickly.

If this does pertain to you, let us know what type of insurance you claimed and the reasons they gave for the claim denials.

Take care.

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