Depending on the type of funding, short term disability plans may or may not be covered by ERISA laws. ERISA claims alter the process of claiming benefits, making for more complex regulations. If your claims are denied, there is a strict time frame to take action for an appeal.
In many cases, the employers will usually self-fund short term benefits and have their insurance provider fund long term benefits. An employer will still have the insurance company review short term disability claims to aid the decision to approve or deny the claim. If there is an opportunity for the case to become long term disability, which is very common for short term disability claims, the insurance company may deny it in order to protect their own assets.
Both employers and insurers have extensive knowledge of short term disability terms and policies, which can result in complicated loopholes in employee contracts and benefit plans. New employees rarely pay attention to short term disability insurance clauses in their contracts, which puts insurance companies and employers at a major advantage. It is always important to have a short term disability lawyer on hand when navigating confusing contracts, or when a problem arises with an existing one.
Chicago’s experienced short term disability lawyer, Michael Bartolic can navigate your disability policy and get you the most out of your plan. Seeking legal counsel immediately when an issue arises is the best way to ensure you receive the benefits you were promised.
If you are seeking a Short Term Disability lawyer or legal guidance, contact Bartolic Law or visit: www.chicagodisabilitylawyers.com
About Bartolic Law
Michael Bartolic founded his firm in 2009, after he left a large, multinational law firm that practices ERISA litigation. Named a Super Lawyers Rising Star in 2012 and 2013, he was named a Super Lawyer for 2014, 2015, and 2016. Michael is a frequent speaker on topics relating to ERISA litigation and benefit claims. He is the immediate past Chair of the Chicago Bar Association Employee Benefits Committee, co-Chairs the American Bar Association’s Section of Labor and Employment Employee Benefits Committee Subcommittee on Benefits Claims, Vice Chairs the ABA Section of Taxation Employee Benefits Committee Subcommittee on Litigation, and previously Chaired the Illinois State Bar Association Employee Benefits Council. He is a contributing author to the treatise “Employee Benefits Law,” Third Edition, published by the American Bar Association and BNA. For more information visit: (https://www.chicagodisabilitylawyers.com/).