At Disability Insurance Law Group, our claims attorneys in Miramar provide invaluable guidance, support, and advocacy to help our clients navigate the complexities of the insurance claims process and maximize their chances of obtaining a favorable outcome for their claims —including the just over 135,000 people who call the city home.
Our Broward County insurance lawyers help our Florida clients file initial claims or respond to a dispute or denials for accidental death and dismemberment, long-term care, life, healthcare, or disability benefits from a private or employer-provided group insurance policy.
With over 50 years of combined experience, our insurance claims attorneys focus solely on representing policyholders pursuing the benefits they are entitled to, no matter which type of insurance they carry or who the provider may be.
Contact our skilled insurance claims attorneys in Miramar today for help.
Our Disability Insurance Law Group attorneys have the knowledge and experience to protect individuals and families in Miramar, throughout Florida, and nationwide against unfair or illegal treatment by insurers.
Whether you have private or group insurance coverage, our dedicated Miramar insurance claims attorneys represent clients with the following:
No matter which stage of the insurance claim process you are in — whether you are filing an initial claim, responding to an insurance company dispute, or have already been denied benefits — we can help. Contact our dedicated Miramar insurance claims attorneys today to discuss your claim during a free consultation.
At Disability Insurance Law Group, our Miramar claims attorneys know that when someone is seeking short or long-term benefits, their only concern is that they start receiving them as soon as possible so they do not fall behind financially.
However, the distinctions between the two are increasingly important, especially if you are unsure how long you need the benefits to last.
The main differences between short-term and long-term disability benefits lie in the duration of coverage, the waiting period before benefits begin, and the types of disabilities typically covered.
Here is a breakdown of the key distinctions:
Short-Term Disability Benefits: Short-term disability benefits typically provide coverage for a relatively short period, ranging from a few weeks to several months. The exact duration of coverage varies depending on the specific policy, but it is generally intended to provide temporary income replacement during a brief period of disability.
Long-Term Disability Benefits: Long-term disability benefits, on the other hand, are designed to provide coverage for an extended period, often lasting for years or even until retirement age. These benefits kick in after the expiration of short-term disability benefits or after a waiting period, providing ongoing income replacement for more severe or long-lasting disabilities.
Short-Term Disability Benefits: Short-term disability policies typically have a shorter waiting or elimination period before benefits begin, ranging from a few days to a few weeks after disability onset. This allows for more immediate access to benefits to cover short-term needs.
Long-Term Disability Benefits: Long-term disability policies typically have a more extended waiting period before benefits become payable, commonly ranging from several weeks to several months after disability onset. This waiting period, the elimination period, ensures that benefits are provided for more severe or prolonged disabilities.
Short-Term Disability Benefits: Short-term disability benefits generally cover temporary disabilities resulting from illness, injury, or childbirth that prevent the individual from working for a short period. Commonly covered conditions may include recovery from surgery, short-term diseases like the flu, or injuries such as a broken bone.
Long-Term Disability Benefits: Long-term disability benefits cover more severe or long-lasting disabilities that prevent the individual from engaging in substantial gainful activity for an extended period. Covered conditions may include chronic illnesses, debilitating injuries, mental health disorders, and conditions that result in permanent impairment.
Short-Term Disability Benefits: Short-term disability benefits typically replace a higher percentage of the individual’s pre-disability income, ranging from 60% to 100% of their regular earnings.
Long-Term Disability Benefits: Long-term disability benefits may replace a lower percentage of the individual’s pre-disability income, often around 50% to 70%, but they provide coverage over a more extended period, offering more sustained financial support.
Each type of coverage serves a distinct purpose: to provide financial protection during periods of disability. If your short or long-term coverage is in dispute or has been denied, we can help.
Contact our skilled insurance claims attorneys in Miramar, Florida, and nationwide today by calling (954)-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our over 50 years of combined experience to work for you.
Total Est. Time: 28 min
Total Est. Distance: 27.3 Miles
Call us:
(954) 989-9000
Email Us:
mindy@dilawgroup.com
Our address is:
3201 W Commercial Blvd Suite 227, Fort Lauderdale, FL 33309
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