If I have Coronavirus can I collect disability insurance benefits?

Coronavirus Disability Insurance Claim Help

Can you collect disability insurance benefits if you either have Coronavirus 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 Coronavirus. 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 Coronavirus 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 Coronavirus 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.

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There are 9 comments

  • 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 AltersMay 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 DellApr 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?

    DeborahApr 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 DellApr 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 PalamaraMar 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

FAQ

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.

Reviews

Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

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