Employers expect their employees to work the shift that they promise to work on a daily basis. Unfortunately, unforeseen illnesses occur. Employees sometimes have to call out because they have fevers or conditions that deprive them of the energy they need to make it in. Some of the most common illnesses that keep people from working are flus, viruses and migraine headaches. Many employers will allow up to three days of absences without a doctor’s note. After three days, the employees need a doctor’s note to return. It may be necessary for an ill employee to fall back on a disability policy for funds during an ill period. The following is some information about the types of disability benefits that are available:
Employer-Provided Benefits
The most common type of disability benefits come from a person’s employer. Employers may offer their employees benefits when the business relationship first begins. The employee pays a discounted premium out of his or her paycheck, and the policy covers that person in the case of an extended illness. The employee has to provide the insurance company with sufficient evidence of an illness and an estimated return-to-work date. Employer-provided disability insurance may cover up to 100 percent of the employee’s paycheck.
Private Disability Insurance
Private disability is a policy that does not come from an employer. A self-employed individual may opt to purchase private insurance, or an insured person may desire supplemental insurance. Either way, the claims process will be similar to that of an employer-provided policy. The premium for a private disability policy may be significantly higher than a policy for an employee is.
Government Disability Benefits
Government disability benefits are long-term benefits for people who suffer from disorders that the government labels as severe. The applicants for such benefits will have to go through a process that is extremely long and painful. Applicants have to pass four to five different stages of approval before the SSA will acknowledge their sickness. If the applicants do not pass the necessary criteria, they will not receive any benefits.
How to Handle a Denial
Handling a denial for disability requires patience and perhaps the Parmele Law Firm. Professionals at the firm will help to alleviate the confusion and push past the disability rejection. Hope is only a phone call away. Free consultation is available for clarification.