Short Term Disability (STD) and Long Term Disability (LTD) Benefits

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Short Term Disability Coverage and Long-Term Disability Benefits Coverage are sometimes offered through employment, and sometimes individuals will buy their own private policies.  The written policies and written plans specify the individual’s rights and the procedures required to apply for benefits.  When benefits are denied, the appeal process is described in the plan/policies.  Plan administrators and/or insurance companies have become sophisticated in administering the plans to their own benefit.

 

Individuals with illnesses, injuries, and disabilities, particularly mental health disabilities, are usually not able to advocate for themselves when important rights and entitlements are denied by private insurance carriers.  Plan administrators and Insurance carriers know this.  A simple denial of a claim frequently results in the individual “giving up”.