Caring and Professional Short-Term Disability Attorneys in PA, NJ, & DE
Short-term disability is intended for someone facing a non-work-related sickness or injury that prevents them from fulfilling their duties as an employee. For example, conditions such as recovery from surgery, complicated pregnancies, and severe illnesses due to infections or other reasons all qualify under the terms of short-term disability benefits. In these occurrences, individuals may find themselves unable to work for a period of time while still needing financial support to maintain their personal obligations. Under normal circumstances, an employer should be more than capable of fulfilling their duty to an employee, yet sometimes this couldn’t be farther from the truth.
Cold and uncaring insurance companies are more about profit than they are about protecting those that they’re supposed to cover. Oftentimes, an individual facing short-term disability has to fight for what’s rightfully theirs, and that’s precisely why short-term disability attorneys like Rosen, Moss, and Snyder are here to help.
When you’ve been denied a short-term disability claim, you’ll need to follow an appeal process. Even though you thought you had adequate coverage in the event of illness or injury, your employer’s insurance company has denied your claim. That’s where the legal team at Rosen Moss Synder LLP comes in!
What To Do When Your STD Is Denied
Undertaking an appeal when your STD coverage is denied is a multi-step process. Here are some things you’ll need to do in order to be successful in getting the financial help you deserve:
- Determine the reason for denial. This is generally included in the denial letter sent to you from the insurance
- Thoroughly review your policy’s deadlines for appeal and the procedures involved in the appeals
- Schedule a consultation with a short-term disability attorney like Rosen, Moss, and Snyder.
- Request your administrative records from your employer and provide the necessary supporting documentation.
- Submit a written appeal to the insurance company that denied your claim.
- If the insurance company does not reverse the denial at this point, you’ll need to file an ERISA lawsuit with the help of your legal counsel. As ERISA disability lawyers, Rosen, Moss, and Snyder have the resources and knowledge to assist with any case you decide to file.
Are Short-Term Disability Benefits Taxable?
As short-term disability attorneys, a common question we are often asked involves the taxing of short-term disability benefits. There are a couple of scenarios that determine whether or not your benefits will be taxed. First, if you pay your premiums after taxes have been withheld from your pay, the disability benefits are not taxed. If your employer pays your premium and does not list the deduction in your gross income, your short-term disability can be taxed. In either instance, your short-term disability is not tax-deductible on your yearly tax returns.
Experienced Short-Term Disability Attorneys Fighting For You in PA, NJ, and DE
If you are unable to work and have been denied your short-term disability, contact the legal team at Rosen Moss Snyder LLP. We’ll listen to your concerns and craft a legal approach that represents your needs. Our services extend beyond our experience as short-term disability attorneys. We are also long-term disability and Social Security disability lawyers in PA, NJ, and DE. We even handle personal injury cases as top-rated personal injury attorneys working hard for our clients in and out of the courtroom.
Don’t get shortchanged from uncaring insurance companies! Contact us today and let Rosen, Moss, and Snyder fight for you!