"In the state of Pennsylvania, Short-Term and Long-Term Disability insurance coverage are not mandatory insurance coverages, such as Workers' Compensation. Therefore, it is dependent on your employer to carry such coverage, or for you to purchase an individual policy on your own from an insurance carrier. Usually, you can find out whether your employer offers Short-Term or Long-Term Disability coverage by contacting your Human Resources Department and/or reviewing your employee manual.
At first glance, Long-Term Disability Claims/Denials seem to be a simple issue of contract law. Usually, for the first 24 months, the definition of disability is whether or not you can perform your own job. So, if you can't work, all you have to do is provide a form signed by your doctor that you are disabled and furnish "proof of disability" and magically the insurer will pay your claim!
At Quatrinini Rafferty, compassion and respect define our approach to the practice of law. We understand that applying for Social Security Disability (SSD) or Supplemental Security Income (SSI) is a difficult and intimidating experience. The Social Security Disability lawyers at Quatrinini Rafferty - Tereasa Rerko, Brian Bronson, Michael Quatrini, and Adam Quatrini - are approachable, sympathetic, and knowledgeable.