Many people can’t help but take time off when they’ve suffered a medical issue. This can create a lot of issues, especially if the person suffering from a medical condition is the primary wage earner for their household. Many people can’t afford to take any time off of work, even for medical issues. Just a few days off work can lead to hardships for many people who don’t have the savings to offset their lost wages. In today’s economic times, the most many households can do is live paycheck to paycheck.
However, the right insurance coverage can provide benefits for people suffering from medical issues and can’t return to work soon enough. Insurance can help cover short-term disabilities that pose a threat to an individual’s income. Some people can purchase short-term disability coverage or employers may give employees a comprehensive benefits package.
Individuals understand that long-term disability coverage could help them for life if a medical condition makes it impossible to return to work. While “short-term” is in the name, it’s not exactly clear just how long these benefits will last. Here’s what you should know:
Find the right policy that works for you
Each short-term disability insurance plan is different. Many plans change depending on an individual’s wage and how many weeks they expect to be covered. Coverage may only help for the first month, depending on the policy, while others could last for up to a year. Many short-term disability policies are joined with long-term coverage bundles. The applicant may apply for long-term disability benefits if a short-term policy ends before they get the help they need to recover from their medical condition.
Applying for short-term and long-term disability can help workers who are battling medical conditions that prevent them from working. Legal guidance is available to workers who are in desperate need of disability benefits and are not sure where to begin.
