Success With Disability Claims for Childcare Workers

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Childcare Workers


Bartolic Law handles Long Term Disability cases at all stages, from filing a claim to lawsuits under ERISA § 502(a). We are who the most discerning clients hire when an insurer denies their claim, and the one they wish they had when another firm loses their appeal and abandons the case. We are Innovative, Authentic, Compassionate, Transparent and Chicago strong. Bartolic Law is nationally renowned for our Innovative work:

Childcare workers face many health risks, including infectious diseases and potential injuries while looking after unruly children. These conditions may temporarily or permanently put you out of work.
Many childcare facilities have injury policies in place for their employees, as workers are about as likely to suffer injuries than those in other industries.
If an illness or injury forced you out of childcare work, take the next steps. Consider seeking disability insurance and learn what you should do if that disability insurance isn’t adequately helping you.

Disability Insurance For Childcare Workers

Unfortunately, the caretakers may sometimes find themselves in need of urgent care. When working in child care, you may run the risk of injury, as you may have to run around with kids who are unruly or may risk tripping while playing sports or other games. Moreover, since you may be sharing lots of toys, board games, art supplies, and electronics, there’s a genuine risk of infectious disease transmission in childcare settings. Although the World Health Organization lists non-communicable diseases as the top 7 out of 10 leading causes of death and disability, infectious diseases still shouldn’t be taken lightly, especially right now amid the era of COVID-19.

Even being forced out of work for a few days could mean the difference between whether or not you make certain expenditures. This applies doubly so to fields like childcare: with a BLS median salary of just $25,460 per year, childcare workers face a particularly dire risk of struggling with economic precarity. 

To minimize the impact of that precarity, it would be wise to invest in disability insurance benefits. Disability insurance can keep you afloat through your benefit period (either months or years depending on the disability’s severity), and these benefits are typically paid out in monthly installments.

Ideally, these payments should be at least 60-80% of your pre-tax income, or roughly equivalent to your take-home pay. The policy should also clearly define:

  • The total cost of your premium
  • The length of the benefit and elimination (pre-benefit) periods
  • The policy’s definition of what constitutes a disability

If you work at a larger company, then your employer may offer comprehensive disability coverage in your benefits package. However, that coverage may be contingent on your working there. There isn’t always a guarantee that they will renew your plan. If you work at a smaller childcare facility, then those benefits may be harder to come by, assuming you’re even offered them.

If any of those circumstances apply to your situation, then you should consider going straight to an insurer, whether through an independent insurance agent or by contacting the company directly. Individual coverage will probably be your most affordable option. However, if you have partners or children who could risk disabling illnesses or injuries, you may want to consider a group plan.


If you’re struggling to get the benefits you need to get by, then we’ll fight to obtain the benefits you deserve. Contact us today to learn more!

Is Disability Insurance Worth It?

The Council for Disability Awareness has claimed that 90% of disabilities stem from illnesses, not accident injury. Even if you think you’re “too young” to suffer such things, you’re not. Those same CDA analytics found that one in four 20-year-olds leave work due to disabling conditions. So don’t hesitate to seek disability insurance, and don’t hesitate to evaluate your plan carefully.

We never want the worst-case scenarios to happen, but it’s always good to have a contingency plan implemented if they do. Even if your contingency plan happens to fall through, you can supplant it with another contingency plan. If you or a loved one is a Chicago-area childcare worker who was recently sidelined by disability, then your contingency plan’s best contingency plan is Bartolic Law. We handle all manner of ERISA litigation disputes, and childcare disability benefits are no exception.

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