Disability insurance claims involve the process through which individuals seek compensation from insurance companies for loss of income or benefits due to a disability that prevents them from working. These claims are typically made under disability insurance policies, which can be part of individual policies or employer-sponsored group plans.

 

Disability insurance generally falls into two categories:  Short-Term Disability Insurance which provides benefits for a limited period for temporary disabilities that prevent the insured from working; and Long-Term Disability Insurance which offers benefits for an extended period, often until retirement age, for permanent disabilities that significantly impair the insured's ability to work.

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There are often specific time limits for filing disability claims, which can vary by policy. It is crucial for claimants to be aware of these deadlines to ensure their claims are considered. 

 

Melville Attorney Inc. assists clients in understanding the types of policies, eligibility criteria, the claims process, and potential challenges to navigate the claims process effectively.