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Friday 2 December 2022
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How To Distinguish Between Short-Term Disability Vs. Long-Term Disability 

How To Distinguish Between Short-Term Disability Vs. Long-Term Disability 

Often, people are confused about whether their injuries or disabilities are short-term or long-term. While it might not seem a huge deal at first, knowing the category your case belongs to becomes essential so you can register all the claims and complaints against your accident or illness. Especially when dealing with the insurance company, you need to be quite specific about each detail of your claim, or else they might delay or deny your disability claims. However, most people are unaware of the critical difference that can help them differentiate between a long-term disability and a short-term disability. 

Suppose you are also confused about whether your claim belongs to the short-term or long-term disability case. In that case, you must contact an experienced disability attorney to rule out any confusion. This way, you will also have an expert guide at every step of your claim, and the lawyer will ensure you get the compensation you deserve. 

How to distinguish between short-term disability vs. long-term disability?

  • Short-term disability 

A short disability insurance claim will cover anywhere from 40-70% of your salary. Unlike long-term disability insurance, this claim will not support your expenses for a more extended period. Instead, it is for a short time during which you cannot perform your professional duties and work and are not receiving any salary from your office. 

Most short-term disability claims are approved when a person suffers from a medical condition that restricts them from performing routine activities and tasks, making them unable to fulfill their career duties. However, if the employee has registered for an employer’s short-term insurance, they are eligible for compensation by the company or employer for facing any losses due to their accident. 

Nevertheless, short-term disability claims are not restricted to a period of weeks or months. An employee affected with medical conditions can acquire benefits for weeks or even years in case of particular complications. If you think you are eligible for short-term disability insurance, you must provide sufficient evidence proving you are physically and mentally unfit to perform your work duties. 

  • Long-term disability insurance 

Long-term disability insurance claims provide financial aid to the worker in case of an accident. In a long-term disability claim, workers get compensation worth 60% of their monthly income. Unlike a short-term disability claim, a worker is entitled to long-term disability benefits awarded to an employee who can work in any job, including the current. Whereas in short-term disability, the worker’s e=benefits are only limited to the present job they are working for.