• How Can Covid-19 Affect a Disability Insurance Claim?

If I Have Covid-19 Can I Collect Disability Insurance Benefits?

Coronavirus Disability Insurance Claim Help

Can you collect disability insurance benefits if you either have Covid-19 or are concerned that you could get Coronavirus? As I write this article on March 13, 2020 the answer is “yes” that you could seek short term disability insurance benefits as a result of Covid-19. Most short term disability policies have a 7 day elimination period and if a doctor tells you to stay out of work at least 14 days then you would clearly be eligible. The challenging issue is for a person that is worried about the risk of getting Covid-19 due to a pre-existing underlying medical condition.

The risk of exacerbating a current medical condition can be a reason for filing a short or long term disability claim. For example, if you have diabetes, chronic fatigue, or an auto-immune disorder then you are a person that always needs to be cautious of a virus. Most of us have never experienced a pandemic during our life time and this is new territory for disability insurance claimants.

Our disability insurance lawyers have already spoken with numerous individuals that are unable to work as a result of Coronavirus and we will assist them with the application process. According to published reports there will be hundreds of thousands if not millions of people that will be diagnosed with Coronavirus. The long-term effects of Covid-19 and the impact on a person’s ability to return to work are currently unknown.

In anticipation of a possible disability insurance claim we are suggesting for individuals to obtain copies of their short and/or long term disability insurance policies. If your disability insurance is an employer provided benefit then your employer is required to provide you with a copy of your disability plan documents.  If you have a private disability policy and don’t have a copy you can call the disability insurance company or the agent that sold you the policy. Any claim related to Coronavirus will require you to seek treatment from a doctor and have a written opinion that you should not work.

Our disability insurance lawyers always provide a free initial phone consultation and if you have any questions we welcome you to contact us via phone or email to discuss your potential claim. We help claimants nationwide.

Cases & Claim Tips (1)

Comments (9)

  • Brenda, I’m sorry but I don’t specialize in state disability, only private so I’m not sure. You would have to contact the state disability department to find out.

    Rachel Alters May 19, 2020  #9

  • I am Diabetic, do I qualify for state disability due to covid 19?

    Brenda M. May 19, 2020  #8

  • If I’m already on disability, am I still eligible for the stimulus check?

    John O. Apr 15, 2020  #7

  • Deborah: If your doctor is advising you to stay home because he believes that your exposure risk to Covid and your current medical condition prevent you form working, then there is a good chance of you receiving short term disability. Your doctor needs to be very specific in detailing your attending physician form.

    Gregory Dell Apr 2, 2020  #6

  • I work in environmental services dept at a hospital. I have an autoimmune disorder Sjorgen and systemic lupus. Can I get short term disability threw work for this during the Covid-19 crisis?

    Deborah Apr 2, 2020  #5

  • Tom: The risk of harm to an individual with a medical condition is a basis for disability. We would reccomended that you apply for disability through your employer assuming you have proper support from your doctor.

    Gregory Dell Apr 1, 2020  #4

  • Because my wife and I are in the high risk group (she 65, I’m 68), I have chosen to take an unpaid leave of absence from work. Been out two weeks. Can I take advantage of short term disability insurance provided by my employer?

    Tom G. Apr 1, 2020  #3

  • Christine, first and foremost, thank you for the job that you do on a regular basis. It is a difficult profession made even more difficult due to Covid-19. Regarding your inquiry, to determine whether you are eligible for short term disability benefits, we would need to review a copy of the policy you have coverage under. I do know of certain policies (such as a Guardian Group Policy I recent reviewed) that contain a “Quarantine Benefit Rider” that provided benefits for anyone that is “not disabled” but is “quarantined due to an infectious and contagious disease.” If your policy does not contain such a provision or language, it might be difficult to prove that you are disabled. I believe the insurance company may take the position that nothing has materially changed to your conditions/diagnoses. They will likely argue that the risk has always been there and your conditions have not worsened. However, there is case law regarding claims due to risk. I will have to do more research on the subject as it has been sometime since I have reviewed those cases, but I do recall risk claims. Please contact us and send us copies of your short term and long term disability insurance policies so that we can review them with you and discuss further your potential claim.

    Alex Palamara Mar 27, 2020  #2

  • I am full time psychiatric RN with auto immune disease (sarcoidosis) and asthma. I am 53 I have been an RN for 20 years. I saw my pulmonologist and was told if I wear proper protective mask I can work. My job is unable to provide and I am at work currently. In addition we are continuing to get admissions that are being admitted as long as they have no fever and ER giving Tylenol and admitting and we have 4 known cases of covid -19. I also work as a float RN going from unit to unit for additional exposure risk. I am afraid and want to know if eligible for short term disability?

    Christine H. Mar 26, 2020  #1

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Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

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When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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Dawn P.

I had to quit working after 8 years of dealing with chronic pain from 2 bulging and torn discs from an injury and failey back surgery. I was approved for Long term disability through my employer benefits, with Unum. They covered me with payments for one year, and suddenly sent a letter that their doctors disagreed with my surgeon and pain management doctors, and they felt I could go back to work full time. I hired a local attorney, trying to save some money, but I don’t think he had much experience dealing with big LTD companies such as Unum. He filed terrible appeals on my behalf with little to no effort on his part of building a good case for me. After a year of dealing with his condescending attitude and loosing my final appeal, I decided to call up Dell & Schaefer. I had contacted them a year prior when searching for an attorney. Cesar was willing to take my case and felt I had a good one. But I didn’t want to pay the percentage he was asking for if we won back then. The old saying, “you get what you pay for”, proved to be true in this case and I regretted not hiring him from the beginning!

Once I did hire him, and thank goodness he was still willing to take my case even though he was dealing with defending poor appeals by my previous lawyer, things got moving along for me. Because of his years of experience dealing with Unum, and his record of wins against them, within 6 months we had a settlement I could live with! The stress I suffered before Cesar and weight on my shoulders was gone! Cesar is a kind, caring, attorney who will fight for your rights! His assistant Michal always talked to me when I called in with questions or to check up on my case and never made me feel bad for calling. It was nothing like the previous relationship I had with my other attorney and his staff, who avoided me. Cesar explains the process well and keeps you updated on your options throughout the process. He was worth every penny!

I am grateful for their representation and would recommend anyone with an ERISA case to call him!

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