Experienced. Reliable. Capable. We Look Out for You.

  • No Hidden Fees Involved
  • No Obligation to Continue Beyond the Case Review
  • Get All Your Legal Questions Answered
click here for a free consultation

Notable Case Results

  • $ $97,284,817

    Class Action
    Mortgage Broker Rest Break
  • $ 8,820,000

    Brain Injury
  • $ 8,250,000

    Wrongful Death/Personal Injury
  • $ 23,500,000

    Bank of America
    Mortgage Broker Wage Class Action



$ 8,820,000

Brain Injury Settlement

$ 8,250,000

Wrongful Death/Personal Injury

$ 23,500,000

Bank of America Mortgage Broker Wage Class Action

Touch below for a free injury consultation.

click here for a

free consultation

no fees until you get paid

Not Having Disability Insurance: The Financial Risks

While some people are lucky enough to live their lives without ever having to fall back on their insurance, most Americans file claims for something or other. Some of the most common policies that are claimed are health insurance, car insurance, and homeowner’s insurance. These policies are helpful in a variety of ways, but mostly for the payment of some kind of loss.

In spite of this, about 13.7 percent of Americans are uninsured. If people do not apply for something as basic as health coverage, it’s no wonder there are a lot of other types of insurance that get overlooked. Unfortunately, it’s not until a person is in the wrong place at the wrong time that they realize how much insurance policies help.

Take for example disability insurance. According to the Journal of the American Society of Certified Life Underwriters, women are three times more likely to be disabled at work for more than 90 days than their male counterparts. Yet, 52 percent of single female workers in the U.S. do not have disability coverage. Of those who are insured against disability, only 55 percent said they have enough coverage.

Why More Than Half of Single Female Workers Don’t Have Disability Insurance

There are two basic kinds of disability insurance policies: one for short-term disabilities and the other is for long-term disabilities. The former can provide financial coverage for about three to six months, although under California laws, short-term disability insurance policies can last up to a year. Meanwhile, if you become disabled for more than six months, you may qualify for long-term coverage.

Unfortunately, companies aren’t required to offer long-term disability insurance, which, taking the probability of disability among women in the workplace, means one in three women are “extremely unprepared” for any length of disability if they lose their income because they cannot work.

This figure is from the most recent findings of The Council for Disability Awareness (CDA). The CDA added that over half of the women without disability insurance said they didn’t even know enough about it.

Apart from those reasons, women may not have disability insurance because the requirements to qualify are rigorous. What’s more, the benefits of having long-term disability coverage can take months, if not years, to kick in. This means you must have an emergency fund or other financial sources for the period you can’t work, especially if your disability prevents you from doing so for a while.

In addition, some insurance providers do their best to deny you of your rightful coverage, especially for long-term disability insurance, in which case you should consult disability insurance lawyers in Los Angeles. Because of the stringent qualifications, even the smallest paperwork issues can prevent you from filing for a claim.

Turn to Trusted Disability Lawyers in Los Angeles

Insurance companies will be less likely to deny you of your claims or take advantage of your lack of sufficient knowledge about the ins and outs of disability coverage if you have legal representation. You can get that in Los Angeles from Haffner Law.

We understand how challenging it can be to file for a disability insurance claim. That is why our lawyers walk you through the process to help you get the benefits you’re entitled to.

For a free consultation, contact us at 1-844-HAFFNER (213-514-5681).

(This is an attorney advertisement by Joshua Haffner)


Click below to share this article:

nav close icon




$ 97,284,817

Class Action / Rest Break


Bad Faith

$ 8,820,000

Brain Injury


Medical Malpractice


Wrongful Death / Accident


Construction Defect
view all

INJURED ? CALL 213-514-5681



  • The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Sending time sensitive material to the firm via this message, will not be the responsibility of the firm. Proceed if you've read this disclaimer.
1 Step 1
Type your name here & click nextyour full name
Phoneyour full name
Commentsmore details
0 /
Some Title
Nameyour full name
Some Title
Commentsmore details
0 /
Some Title
powered by FormCraft
All Fields Required