What are my rights as a disable individual?
You need to find out if you have disability insurance through your employer. You may have short term disability coverage which will cover you for a percentage of your pre-disability income (perhaps 65% to 80%). The short term disability period will range from 3 months up to 5 months generally. After the end of the short term disability period, you may have group long term disability benefits. Long term disability insurance will provide benefits for a longer period – sometimes only 5 years but often up to a retirement age of 65 years of age as long as you continue to satisfy the definition of disability.
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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.