We do not handle Social Security Disability (SSDI) claims.

Helping You Get The Disability Insurance Coverage You Need And Deserve

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Shawn McDermott and the staff of McDermott Law, LLC, have extensive experience in handling denied short-term disability claims and long-term disability claims, including assistance in submitting the applications for those benefits, internal appeals and litigation, if it becomes necessary. We have handled thousands of these claims. Few attorneys, if any, in Colorado have handled as many disability insurance claims as we have. Such claims may arise from the purchase of an individual disability policy or, as is more often the case, the short-term disability and long-term disability coverage is provided as an employee benefit from your employer. Our attorneys represent clients in matters of individual disability claims, ERISA disability claims and Colorado PERA short-term disability and disability retirement claims.

This overview of disability insurance is designed to give you an introduction to eligibility and other aspects of disability coverage in Colorado. If you believe you have a case related to short-term disability (STD) or long-term disability (LTD) insurance, nothing can replace the personalized advice of an experienced lawyer

If you have questions about your disability claim and live in the Rocky Mountain area, contact McDermott Law by completing our contact form, or call 303-964-1800. We can answer your disability law questions in a free Review of Denied Claims, no-commitment consultation.

What Is Disability Insurance?

Group short-term disability (STD) plans are typically designed to provide income replacement benefits after you have missed work for at least seven days, but your plan may be
designed differently. STD benefits are usually paid when the employee is unable to perform the material duties of his or her own occupation or even own job, and are payable at a rate of 60% to 100% of the person’s pre-disability earnings. Oftentimes the STD benefit is
self-insured, meaning that your employer is ultimately responsible for the payment of the benefit even though, more often than not, a third-party administrator (often an insurance company)
actually processes and administers the claim.

Are Employers Required To Provide Disability Insurance In Colorado?

Group short-term disability (STD) plans are typically designed to provide income replacement benefits after you have missed work for at least seven days, but your plan may be
designed differently. STD benefits are usually paid when the employee is unable to perform the material duties of his or her own occupation or even own job, and are payable at a rate of 60% to 100% of the person’s pre-disability earnings. Oftentimes the STD benefit is
self-insured, meaning that your employer is ultimately responsible for the payment of the benefit even though, more often than not, a third-party administrator (often an insurance company)
actually processes and administers the claim.

Short-Term Disability Insurance Benefits

Group short-term disability (STD) plans are typically designed to provide income replacement benefits after you have missed work for at least seven days, but your plan may be
designed differently. STD benefits are usually paid when the employee is unable to perform the material duties of his or her own occupation or even own job, and are payable at a rate of 60% to 100% of the person’s pre-disability earnings. Oftentimes the STD benefit is
self-insured, meaning that your employer is ultimately responsible for the payment of the benefit even though, more often than not, a third-party administrator (often an insurance company)
actually processes and administers the claim.

Long-Term Disability Insurance Benefits

Group short-term disability (STD) plans are typically designed to provide income replacement benefits after you have missed work for at least seven days, but your plan may be
designed differently. STD benefits are usually paid when the employee is unable to perform the material duties of his or her own occupation or even own job, and are payable at a rate of 60% to 100% of the person’s pre-disability earnings. Oftentimes the STD benefit is
self-insured, meaning that your employer is ultimately responsible for the payment of the benefit even though, more often than not, a third-party administrator (often an insurance company)
actually processes and administers the claim.

“Own Occupation” And “Any Occupation” Eligibility

Group short-term disability (STD) plans are typically designed to provide income replacement benefits after you have missed work for at least seven days, but your plan may be
designed differently. STD benefits are usually paid when the employee is unable to perform the material duties of his or her own occupation or even own job, and are payable at a rate of 60% to 100% of the person’s pre-disability earnings. Oftentimes the STD benefit is
self-insured, meaning that your employer is ultimately responsible for the payment of the benefit even though, more often than not, a third-party administrator (often an insurance company)
actually processes and administers the claim.

Contact Us

Group short-term disability (STD) plans are typically designed to provide income replacement benefits after you have missed work for at least seven days, but your plan may be
designed differently. STD benefits are usually paid when the employee is unable to perform the material duties of his or her own occupation or even own job, and are payable at a rate of 60% to 100% of the person’s pre-disability earnings. Oftentimes the STD benefit is
self-insured, meaning that your employer is ultimately responsible for the payment of the benefit even though, more often than not, a third-party administrator (often an insurance company)
actually processes and administers the claim.

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