Often, employers will have a long term disability plan which covers disabled employees. This will provide you with a monthly income when you are unable to work. Most employee plans are covered by a comprehensive federal law called ERISA, the Employee Retirement Income Security Act of 1974, 29 U.S.C. 1001 et seq. These plans typically begin payments after an employer’s short term benefits coverage has run out. Sometimes individuals purchase their own policies which may not be covered by ERISA. Zimberlin Law will be able to help you whether or not the ERISA laws apply to your plan.
If you are disabled, you should find out if your employer has a long term disability plan which might cover you. If you are denied, these plans provide for an appeals process within the plan, and then eventually you can file an appeal in court.
Plan provisions are complicated. They vary from plan to plan. Consult an attorney before you file for benefits. This can prevent mistakes which could lead to an unfair denial. Don’t wait until you’re denied to consult an attorney.