Living with a disability, whether you’ve had it for a long time or developed it recently, is difficult. It changes what you can and cannot do, and it may make it difficult for you to work. You may want to apply for short- or long-term disability benefits so that you can have a stable income each month.
If you did apply for short-term disability but were denied, then it’s time to look into making an appeal. When you decide to appeal, it’s a good idea to talk to your attorney about the Employee Retirement Security Income Act (ERISA) matters that could affect your case.
When you’re hurt or unable to work, you should receive the benefits you qualify for
Sometimes, a disability won’t last forever. Short-term disability helps stabilize the income of anyone who has dealt with a disability that makes it impossible to work, even if it will resolve in the future. It can be difficult to qualify for this kind of disability coverage, though, and your claim may be denied if your application is not thorough enough or if the insurance company feels that you haven’t provided the right information.
If you decide to appeal, the chance of winning your appeal increases significantly when you work with an attorney who can guide you in providing all the right information to those who review your case. Some additional information you may need to provide includes:
- Medical records or documents explaining your injury
- A letter from your medical provider describing the disability
- Photographs or videos of how the disability affects you
- Statements from others who witness the disability
There could be many other pieces of information to support your case. Our website has more on how you can take steps to seek benefits if your original application is denied.