When you’ve suffered a serious injury, it can be tough enough to adjust to it and get back to work. If you’re unable to work and you need help filing a disability claim in California, however, it can be especially tough to recover. You need your disability insurance benefits, but you may be having trouble getting answers and getting approved.
If you’re struggling with your claim, Haffner Law can help you through this difficult time. If you hire us, we’ll help every step of the way.
Types of Disability Claims in California
The type of disability coverage you receive will depend on your needs and on the coverage you selected when you purchased your disability insurance. When purchasing commercial disability, you typically have two options, although you might have elected both: short-term and long-term coverage.
Typically, short-term disability insurance, as the name suggests, replaces your wages for a short time, often ending within a year. Long-term disability, on the other hand, usually covers anywhere between one year to retirement age.
If you have both types of coverage, you may choose to use both, depending on your disability. For example, if you suffer a spinal cord injury and are paralyzed, you may never be able to walk or return to work. In this case, you may use your short-term disability to cover yourself during the initial time that your long-term disability doesn’t cover before getting approval for further coverage through your long-term benefits.
Filing a Disability Claim
When you’ve been injured, you need to file quickly. Short-term disability may begin wage replacement two weeks after your injury. When you’re out of work, two weeks makes a big difference, especially with the expensive medical care you’ll need.
Consider speaking to a lawyer to help. After all, if your case is incomplete or has problems, you could face a denial, which means more time without the financial help you need.
Our Firm Can Help
If you need help filing a disability claim in California, our firm is here for you. At Haffner Law, we understand that dealing with these claims can be difficult, and we can guide you through the process.
If you’re struggling to get your claim approved, call our office. We can review your claim and help you fight for the disability coverage you deserve. For a free consultation about how we can help you further, give us a call at 1-844-HAFFNER (423-3637) or fill out the form at the bottom of this page.