When you faithfully pay for your long-term disability (LTD) insurance, you expect it to be there when you need it the most. Unfortunately, many find it challenging to get their insurance benefits even after paying into their policy for years or decades. If an...
Disability Insurance Benefits And ERISA Attorneys
Doing What’s Right For Greater Colorado
Disability Insurance Benefits And ERISA Attorneys
Doing What’s Right For Greater Colorado
How long of a delay in an insurance payout is reasonable?
Social Security disability programs and even insurance provided by your employer could be too low to really protect you from a disabling medical condition or unexpected injury. Those with families to support and who are used to earning an above-average income will...
What qualifies as a short-term disability in your plan?
When you cannot work for some time, you need a backup plan to ensure your financial needs are met. That’s where a short-term disability (STD) insurance policy comes in - to provide a portion of your salary when you have a condition or injury that prevents you from...
Will short-term disability benefits start right away?
When you get hurt or develop a medical condition, you may need to take an extended leave of absence from work. Your entire family may struggle because of the sudden drop in household income. Having the right insurance coverage helps protect you and your loved ones...
Short-term disability insurance and maternity leave
Last year, Colorado voters approved a ballot measure that will require most employers in the state to provide up to 12 weeks of paid, job-protected family and medical leave (and up to 16 weeks if medical complications warrant). That will put us ahead of many states,...
Can you bring a bad faith claim against your disability insurer?
When you take out short-term disability (STD) or long-term disability (LTD) insurance, you agree with the insurer that both of you will act in good faith. You cannot lodge false or exaggerated claims, and they cannot deny or delay claims without a valid reason. Yet,...
Understanding how short-term disability insurance works
Short-term disability insurance protects workers in Colorado by providing them with a significant portion of their salary if they cannot work due to illness or injury that is not incurred on the job. Benefits generally are 40% to 80% of your salary before the illness...
Some information about short-term disability benefits
Short-term disability benefits help employees in Colorado support themselves while they recover from an injury or illness. If you recover within the time frame, you'll be able to stop collecting disability and go back to work. However, your situation might change if...
Can you be fired while taking short-term disability?
Many people in Colorado are hesitant to go on short-term disability because they're afraid that they'll lose their job. While some people might tell you that you can't be fired while you're on leave, this isn't actually true. Your employer can fire you from your job...
Strengths and shortcomings of short term disability insurance
Disability insurance generally comes in two categories: short term disability and long term disability. Obviously, the main difference between them lies in how long the disability is expected to last, and in how long the benefits will continue. Generally, STD...
