Many questions arise when beginning to consider short-term employment disability (STD) and/or long-term disability (LTD)  benefits. Where do you start? Is it a good idea? Are you eligible for employment disability?

When you first begin to notice the inability for you or a loved one to complete his/her job in any manner, it’s probably time to begin considering your options and eligibility for employment disability. ERISA benefits are employee benefits that provide income if an employee cannot work due to illness or an accident. These benefits may be optional or may be mandated by law in your state.

First, Be Prepared to Show Medical Records.

Eligibility for these programs varies, but the insurer will always require the employee to provide (or allow the insurer to request from the employee’s physicians) medical records showing that the employee is unable to perform his or her job. After the insurer receives and reviews these records, it decides whether the employee is entitled to receive benefits as a result of the disability.

Is Your Particular Employment ERISA Eligbile?

We recommend doing some research to find out if you are eligible for ERISA. This site has a good list of disabilities and common accommodations employers may use to make your work easier. The list includes disabilities ranging from depression, chronic pain, tremors, migraines, fibromyalgia, and more. 

Decide if You Need Long-Term (LTD) or Short-Term Employment Disability (STD).

There is a difference when it comes to LTD and STD in terms of your qualification. Hence the need for clarification about the programs. Feel free to learn more here about how the different programs work. Our staff is experienced and can help you look through everything as well. In most cases, you will continue to receive benefits as long as you are disabled.

Disability law can be confusing and complicated. We work with hundreds of clients who are overwhelmed by paperwork and information from government agencies, insurance companies and employers. We bring our years of experience to work every day to advocate for those who need help securing disability benefits.

Schedule a free, no obligation consultation with us to see if you qualify. As a result, there is no fee until you receive your ERISA benefits. Our team of qualified individuals is ready to tackle your situation and help get you the benefits you deserve. Therefore, give us a call today to discuss how we can assist you through the process.