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The Different Types of Disabling Conditions

Many people have short- or long-term disabilities that impact their capability to work and perform job duties, leaving them without the ability to earn a paycheck. Your disability insurance coverage is meant to pay out benefits to ensure that you have income while recovering from a short-term disability and providing a continued income source if you suffer from a long-term issue. However, insurance companies don’t always make it easy to recover these benefits, but that is where The Law Office Of Talia Ravis, PA comes in. We can fight the insurance company for the benefits they promised. Reach out to us today for more information.


Disability Categories

Regardless of your condition, our team can help you determine your right to coverage, even if the insurance company has previously denied a claim. Please reach out to us if you believe that you have a disability that warrants benefits. Some examples of conditions which qualify for long-term disability benefits include:

  • Cardiovascular disabilities
  • Digestive system disabilities
  • Endocrine disabilities
  • Genitourinary impairments
  • Hematological (blood) disorders
  • Autoimmune disorders
  • Cancer
  • Neurological and sensory disorders
  • Musculoskeletal disabilities
  • Multiple impairment disabilities
  • Respiratory disabilities
  • Neurological conditions
  • Sensory and speech disorders
  • Certain skin conditions
  • Mental illnesses
  • Pain disorders
  • Sleep disorders

Understanding Your Disability Insurance Policy

There are various types of disability insurance coverage. The benefits available to you will ultimately depend on which type of policy you have. Regardless of the kind of coverage you hold, our team will attempt to help you recover the promised benefits. Most disability insurance policies fall into one of the following categories:

Individual Disability Insurance

This type of insurance includes private policies purchased from an agent or broker. In most cases, this policy will follow you and is not dependent on your job. Usually, if you pay the premiums, you will be able to receive individual benefits tax-free. Most people who have this type of coverage are either self-employed or are independent contractors.

Employer-Sponsored Disability Insurance

This is the most common type of disability insurance. Many employers provide their employees with long-term disability insurance as part of their employee benefits package, much like providing health insurance. The employer generally covers at least a portion (if not all) of the insurance premiums. Because this type of policy is linked to your job, leaving your current position will usually terminate the benefits. Employer-sponsored disability insurance is usually governed by ERISA, the federal law which governs most employee benefits.

Group Disability Insurance

This type of coverage is similar to an employer-sponsored plan but is provided by a union or another professional organization. You can retain access to these long-term group disability benefits as long as you remain in good standing with the organization. These policies are also usually subject to ERISA's restrictions.

Contact Us for Information about Disability Coverage

If you have a disability and your benefits have been denied, our team will work with your insurance company to receive the benefits you need to cover lost wages or medical expenses. Please contact us for additional information.

Contact Us Today to Schedule a Consultation!