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What are the basics of filing a short-term disability claim?

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Do you have short term disability insurance? Did you purchase this policy on your own, as opposed to receiving coverage through a group policy? If you answered yes to these questions, there may come a time when you are staffed with the responsibility of filing a claim.

On the surface, this doesn't sound like a challenge. The claim form will ask for basic information, as well as details regarding your injury or illness. Depending on your provider, however, there could be questions you are not comfortable answering for one reason or another. If so, contacting the company is often necessary.

Once you complete the claim form, make sure you sign and date it in the designated area. Neglecting to do so could slow down the process.

At this point, you can sit back and wait to hear from your insurance company. Since you are filing for short-term disability, your claim is typically handled in a fast and efficient manner. If you feel that the process is taking too long, you are within your rights to contact your provider for information on where things stand.

You will be faced with more paperwork and documentation in the event of a denied disability claim. If this happens, you will work with your provider to clear the air.

In some cases, the insurance company will collect more information and then approve the claim. In other cases, this does not happen and more conversation ensues.

Filing a short term disability claim does not have to be difficult, but some insurance companies are anything but easy to deal with. This can lead to a denial, which calls for an appeal.

Source: State Farm, "Disability" accessed Feb. 23, 2015

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