Car accidents can lead to long-term disabilities that require victims to get lifetime treatments and therapies. Also, this can mean victims may have to deal with a lifetime of pain. But, other accidents can result in serious short-term injuries that only last for several months. But, no matter the term of the disability, this can leave victims unable to work. Thankfully, they can recover short-term disability benefits after a Colorado Springs accident. If you are one of these victims, you must consult a car accident lawyer colorado springs to know the steps to take to get these benefits.
Short-Term Disability Policies
These insurance policies offer a worker a percentage of their salary for a certain period if they are injured and cannot work. Typically, this coverage starts 1-14 days after you suffer an injury that stops you from working. You usually need to use sick days before your short-term disability kicks in if your injury keeps you unable to work for an extended time. If you still can’t work after the end of your coverage period, a long-term disability plan will take effect. Injuries that may warrant a short-term disability claim include neck and back injuries, joint disorders, burns, and broken bones. The policy can be a free benefit from your employer or one you pay yourself. Whether you get short-term disability benefits from your employer or a third-party vendor, you need to meet certain requirements to begin getting coverage.
Should You Hire an Attorney to Collect Short-Term Disability Benefits?
Getting short-term disability benefits can be challenging if you don’t have an attorney on your side. Insurance companies that provide short-term disability policies want to make money by trying to find reasons to deny benefits. A skilled car accident attorney in Colorado Springs can carefully review your policy to determine its specific deadlines and evidence requirements. Also, your lawyer can guide you through the process of filing a claim as well as help gather evidence to support your claim. Although the filing process seems simple, it can be complicated if you are not familiar with it and don’t understand the policy requirements. Your attorney will make sure you fill out the claim form completely and don’t miss important deadlines. And if you have to transition your short-term disability coverage to long-term disability, your lawyer can help this take place smoothly.
If you have been unable to work because of a car accident injury for a short period, you need to contact a reputable car accident lawyer as soon as possible. They can give you a free consultation and help you learn more information about your legal options.