If you are in need of Tampa Short Term Disability benefits, the attorneys at Herbert M. Hill, P.A. have you covered. Navigating the complexities of Short Term Disability claims can be challenging, especially when facing financial stress. Our experienced team in Tampa is here to help you secure the benefits you deserve.
How To Know If You Need a Tampa Short Term Disability Attorney
Every single day, someone develops a temporary disability that enables them to apply for Tampa Short Term Disability benefits. Whether that disability is mental or physical, the onset can come in many different forms.
If you are employed during the time of your disability, you can apply for benefits that will allow you to receive money during your recovery. Having disability insurance and receiving benefits can significantly help you from financial disaster. The catch, however, is getting approved for Short Term Disability benefits.
Understanding Tampa Short Term Disability Insurance
Tampa Short Term Disability insurance provides temporary income replacement for individuals who are unable to work due to illness, injury, or other medical conditions. These benefits are designed to help you maintain financial stability during your recovery period, covering essential expenses such as mortgage payments, utilities, and daily living costs.
Short Term Disability coverage is typically offered through employer-sponsored insurance plans, although some individuals purchase private policies for additional protection. It is important to review your policy details to understand the percentage of your income that will be covered, the waiting period before benefits begin, and the maximum duration for which benefits are payable.
Unlike Long Term Disability insurance, which may provide coverage for several years or until retirement age, Tampa Short Term Disability benefits generally last between three to six months, depending on the terms of your policy. These benefits are especially helpful for temporary conditions like surgical recovery, serious illness, or short-term mental health challenges.
Navigating the claims process can be complex, and even minor errors can result in a denial. If you need assistance filing a claim or appealing a denied application, consulting with an experienced Tampa Short Term Disability attorney can help you protect your rights and secure the benefits you deserve.
How A Short Term Disability Attorney Can Help
Our attorneys can help you with your case. As mentioned above, insurance companies receive hundreds of thousands of applications that they must go through in order to properly disperse insurance coverage. If, for whatever reason, your claim is denied, you can appeal the decision to be looked at further.
Employers of said disabled employee are free to offer disability insurance coverage to their employees, but they are not required to do so. In the event that your employer does not offer coverage you must purchase insurance on your own.
However, it is important to note that pre-existing conditions will not be included in the coverage until the policy has been in effect for a certain period, usually around 12 months. If you think you may fall under a pre-existing condition, we recommend seeking attorney advice before going out of work.
Filing a Disability Claim in Florida
If you already have coverage and you develop a disability that requires you to be excused from your place of work, you must file a claim with the insurance company to receive income replacement benefits. If approved, insurance companies will typically cover up to 60% of a person’s regular earnings.
If your claim was denied, it would be in your best interest to work with a disability attorney, like us, to help you appeal the decision in the most strategic way possible. Contact us today for a free case evaluation.
Let Our Attorneys Help With Your Tampa Short Term Disability Claim
Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the state of Florida and the southeastern part of the United States, including Georgia and Alabama. Areas of practice include disability and employee benefit claims of all sorts. The firm handles any claims arising under the Employee Retirement Income Security Act (known and referred to as “ERISA”) for disability benefits, medical benefits, retirement benefits of any sort, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies. Contact us today to schedule a complementary consultation.