Long-Term vs. Short-Term Disability Insurance

If you are the main financial provider to your family, you may wonder what consequences a disability could have on your life. Developing a disability either from an illness or an injury can be difficult to handle, especially if you can no longer receive a paycheck. Fortunately, there are two types of disability insurance programs that can help you. However, many insurance companies act in bad faith and may not pay on your claim.

If you have short-term or long-term disability insurance coverage, it is important that your insurance company offers you the benefits you deserve. If your insurance refuses to cover your rightful claim, you can take legal action. Contact a knowledgeable Dallas insurance bad faith lawyer of Smith Kendall, PLLC, today at 214-361-6124 and schedule a consultation to discuss your legal options.

Difference Between Long-Term and Short-Term Disabilities

Both long-term and short-term disability insurance pays you a percentage – usually 40% to 65%– of the salary you would be making if you could go to work. Long-term disability insurance pays you these benefits if your disability will keep you out of work for at least a year.

On the other hand, some illnesses or injuries heal within a year. To be prepared for these situations, you can purchase short-term disability insurance. Short-term disability insurance usually pays you for a shorter period of time, typically only 10 to 26 weeks.

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If you have upheld your contract with your disability insurance provider, it is important that you receive the benefits you deserve should you suffer from a disability. If your provider has wrongfully denied or delayed your claim, contact a Dallas bad faith insurance attorney of Smith Kendall, PLLC, today at 214-361-6124.

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