LTD Benefits Can be Approved Even if STD is Denied

Long-term disability benefit lawyers Gregory Dell and Alex Palamara discuss the denial of short term disability benefits even when long-term disability benefits are approved, even by the same insurance company. This is an odd situation but short and long term disability policies are often separate, and the individuals who handle short-term and long-term disability claims are often separate. A different outcome can be reached.

This does not make much sense but it can work to your advantage as it makes the insurance companies look disorganized and downright foolish. If you have been denied short term disability benefits you should still apply for long-term disability benefits. Insurance companies will want you to simply go away if your short term disability benefits are denied.