Short Term Disability Services in Miami
Short-term disability is a type of insurance benefit that provides some kind of compensation or income replacement for non-job-related illnesses or injuries that prevent you from working for a limited period of time. Short-term disability tends to be paid in full by the person’s employer, and in order to receive the disability payments, the employee must be unable to perform their normal job duties due to injury or illness.
When seniors are on short-term disability or temporary disability, they often require assistance with completing everyday household tasks, which is where our professional caregivers at Advancare enter the picture. We can tailor our short-term disability assistance to fit your needs or the needs of your senior loved one so that you are comfortable and happy in your home.
What is Short Term Disability?
Short-term disability is a type of disability insurance that is designed to protect both the employer and employee if the employee can no longer work due to a result of injury or illness. A key to receiving short-term disability insurance is that the illness or injury must be non-work-related. When a qualifying event occurs (the injury or illness), the employee must file a claim with a disability insurance company to receive the amount of income that is specified in the policy benefits.
Short-term disability insurance is designed to protect the employee from financial hardship while they cannot work. It also protects the employer because it protects their investment in a valuable employee by ensuring that the employee can remain financially stable long enough to recover and return to work.
If you’re asking, what qualifies for short-term disability, the answer is anybody who is unable to do their job, as determined by a medical professional. People with the following medical conditions can qualify:
- Surgery rehabilitation
- Severe illness
- Non-work-related injury
Reasons You Can Be Denied
Unfortunately, some short-term disability claims can be denied. Here are a few of the main reasons why this can happen.
- Inconsistencies in claimant behavior and statements
- The disability insurance application is full of misinformation or lacks information
- The insurer determines that the disability is only partial
- Delegation of duties is possible
- Claim submission lacks the necessary evidence
How to Apply
In order to apply for short-term disability payments, you must file a claim with a disability insurance company. It is also possible that your company offers you a short-term disability plan as a benefit, in which case, you should contact them to figure out how to fill out the claim.
When you are on disability from work, you may need at-home care because of your illness or injury. At Advancare, our senior care providers give professional caregiving services, including:
- Assistance with bill paying
- Bathing and grooming
- Light housekeeping
- Running errands
- Supportive care
How to Get in Touch
If you or a loved one needs short-term disability assistance, do not hesitate to reach out to the caregivers at Advancare. Get in touch by calling us at (305) 441-9794.