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

Leave a comment or ask us a question


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.

How can I contact you?

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.

Dell & Schaefer Client Reviews   *****

Jim F.

My employer offered both Short Term Disability and Long Term Disability insurance as optional benefits among others. The premiums were significant, but since they could be payroll deducted I felt they could be reasonably managed and the security of continued income in the event of a medical disability was well worth the investment. As with the purchase of a first aid kit, most would prefer never having to use it.

I have been very fortunate to have had few illnesses or injuries throughout my life and more specifically my 45 year career as a healthcare professional. It wasn’t until early in 2012 that I was diagnosed with a chronic, progressive disease of the eye. Symptoms were minimal at that time, though regular visits to a retinal specialist, including regular therapy by ocular injection, were necessary to slow its progression, the symptoms did not appreciably interfere with my work. In spite of my treatments the condition continued to progress. In early 2014 the symptoms began to interfere dramatically with my day to day duties. My job required significant computer use and the reading of copious amounts of medical documentation. It became evident to me that I could no longer meet the expectation of my management and clinical position without working frighteningly long hours and enduring the relentless eye strain and other symptoms related to the illness.

Though I had always planned for eventual retirement from my full-time position, like most professionals I had hoped to be able to continue to practice my profession on a part-time basis throughout my retirement as long as I remained competent and able. That was not to be. Thankfully, I had the foresight to elect the disability benefit options offered by my company and have the premiums payroll deducted for many years. I notified my supervisor and HR representative that I had to stop working due to my condition and proceed with the disability application process.

All went very well and after using up my accrued vacation and sick time, my short-term disability benefits commenced. Since my condition is progressive and incurable I felt secure in knowing that once my short-term benefits were exhausted my benefits would continue under the long-term policy. However, much to my surprise, after receiving about a month of benefits I received notification from the insurance company that a decision had been made to terminate my benefits due to lack of objective medical evidence to support my claim, though significant documentation had been provided by my retinal specialist.

I was bewildered and unsure of how to proceed with an appeal of that decision. Since I had 180 days to do so, I decided to research the matter thoroughly. In spite of my being a veteran healthcare professional everything I had been reading on the subject cautioned about attempting to proceed with an appeal on my own. Legal representation was highly recommended.

I then began a review of local attorneys, hoping to find one that provided enough documentation on their website that indicated experience with non-social security disability related cases. I was also interested in seeing evidence of some experience with disability cases related to diseases of the eye and resultant vision impairment. I was unsuccessful.

So I expanded my search to include national law firms. It was then that I discovered Dell & Schaefer. After thoroughly reviewing their website, watching many of the video discussions, noting experience with vision related cases, particular documentation related to the insurance company that handled and then eventually denied my benefits, and reading a significant number of testimonials, I decided to request a free consultation as advertised. It was one of the best decisions I have ever made.

After that consultation, I was very confident that I was in very skilled hands which alone reduced my anxiety level immensely. Attorney Alexander Palamara and his Legal Assistant, Kathleen Bordes, immediately began managing my case, their professional expertise clearly evident.

They worked closely with my retinal specialist, my optometrist and the insurance company in compiling the medical documentation necessary for a successful appeal in an amazingly short period of time, keeping me fully informed all along the way. Shortly after being notified by the insurance company that my benefits would be reinstated and paid through the full term of my short-term policy I received a lump-sum payment.

Once the short-term disability appeal was successfully completed, Alex and Kathy immediately addressed the long-term policy benefits. Again in a remarkably short period of time I was granted those benefits, receiving a lump-sum payment for benefits to date and will receive a payment monthly going forward per the terms of my LTD policy.

I am extremely pleased with how my case was handled and the very favorable outcome. Alex and Kathy were a delight to work with and extremely professional in every way. Incidentally, the fee I paid to Dell and Schaefer for their incredible representation was very reasonable and very well earned.

I highly recommend the services of Dell & Schaefer to anyone who may find themselves in a similar disability-related situation.

***** 5 stars based on 165 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us